You have lots of choices when attempting to insure your vehicle. You can either buy through a local agent or get quotes online to compare pricing from companies. Shopping for auto insurance by quoting online saves time, is easy to do and at the same time you might just save a little.

Comparing auto insurance rates direct online is challenging if you are a beginner to online quotes. Don't let that stop you because comparing prices is actually very simple. Getting cheaper insurance rates is a fairly straight forward process. The only requirement is to invest a few minutes to get quotes online from several insurance companies. This is very easy and can be done by visiting this page.

What factors determine your insurance rates?

Auto insurance rates for your 2000 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the costs to repair can inflate annual premiums. On the flip side, newer models may have a trim level with safety features like adaptive headlights, anti-lock brakes, traction control, and a telematics system which can provide discounts that lower premiums.

Liability coverages

This protects you from damages or injuries you inflict on other's property or people by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states but can be used in place of medical payments coverage.