Drivers have lots of options when finding cheaper insurance coverage on your vehicle. You can either buy through an insurance agent or shop online to compare rates from multiple companies. Comparing car insurance online is easy, plus you may find lower rates.

Beginners to buying insurance may think purchasing cut-rate 2000 insurance is very challenging. The are a couple different ways of comparing rates from car insurance companies in your area. The easiest way by far to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by the following

Insurance premiums for your 2000 can vary widely based upon several criteria. Including but not limited to:

• The performance level of your 2000
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the payout to repair will push premiums down. But newer vehicles have more advanced features including forward-collision avoidance, sideview assist mirrors, and all-wheel drive which can lower rates.

Liability coverage

Liability insurance can cover damage or injury you incur to other's property or people. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy higher limits if possible.

Collision protection

This coverage covers damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the 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 your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.