There are many options when trying to insure your vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare pricing from multiple companies. Buying auto insurance online saves time, is easy to do and there is a good chance you will probably save money.

Shopping online for auto insurance can be a challenge if you are a beginner to online quotes. But don't be discouraged because there is an easy way to compare rates. Finding a lower price on 2000 insurance is not rocket science. You just have to take a little time comparing rates online from several insurance companies. This can be accomplished by visiting this page.

Insurance rates on a 2000 can vary widely and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Any accidents you may have
• Multiple policies can save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. A newer vehicle cost more so the costs to repair can inflate annual premiums. But newer models may have options including sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which can provide discounts that lower premiums.

Liability coverage

This protects you from damage that occurs to people or other property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase higher limits if possible.

Collision coverage

Collision insurance pays for damage to your resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2000 can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.