Drivers have lots of options when insurance shopping for your vehicle. You can get prices from your neighborhood insurance agent or shop online to compare rates from multiple companies. Buying auto insurance online is easy, plus you will probably save money.

People who are new to buying insurance may think buying cut-rate 2000 insurance is very challenging. Cutting your is not rocket science. Drivers just need to take a couple of minutes comparing rates from different insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by...

Insurance rates for your 2000 will vary greatly based upon several criteria. Including but not limited to:

• The performance level of your 2000
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• Maintaining coverage lowers rates
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Newer models cost more so repair costs are higher which will push premiums up. But more recent vehicles may have options including a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection so those may lower rates.

Liability coverage - Liability insurance will cover damage or injury you incur to other's property or people in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision - Collision insurance will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.