You have many choices when buying insurance for your vehicle. You can buy direct from a local agent or shop online to check prices from insurance carriers. Finding cheaper car insurance by getting online quotes is easy, in addition you might just save a little.

Consumers who are new to the process of comparing rates may think shopping for cut-rate 2000 insurance is nearly impossible. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The recommended way to find competitive is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine your insurance rates

Auto insurance rates for your 2000 can be significantly different based upon several criteria. A few of these criteria are:

• The performance level of your 2000
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor which can affect is the model year. Models that are a few years old have a much lower replacement value in comparison to older models so the payout to repair will push premiums down. But newer models may have a trim level with safety features including anti-lock brakes, adaptive headlights, and adaptive cruise control that may help give discounted rates.

Liability - Liability insurance protects you from injuries or damage you cause to other's property or people that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage - This pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must 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 older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance - Med pay and PIP coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.