Comparing auto insurance by comparing rates online is easy, in addition you can save money. The key is to get rates from all companies so you can get every possible rate.

Beginners to comparing rates may think finding low-cost 2000 insurance is going to be difficult. Reducing your can be quick and easy. All that's required is to spend a few minutes on the computer getting comparison quotes from different insurance companies. This can be done by completing this short form.

Criteria which help determine insurance rates

Car insurance premiums on a 2000 can fluctuate considerably based upon several criteria. A few of these criteria are:

  • Your driving record
  • Credit rating impacts rates
  • Your location impacts rates
  • The number of annual miles
  • Men typically pay more than women
  • Low deductibles cost more
  • NTSB crash rating for your vehicle
  • Your claim history
  • Having current coverage saves
  • Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so repair costs are higher which may result in higher rates. On the flip side, more recent vehicles may have safety features like a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors which may give discounted rates.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to people or other property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2000 can be pricey, so consider dropping it from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive insurance

This 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 then insurance will cover the rest of the damage. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.