You have many choices when comparing insurance rates on your vehicle. You can either buy through your neighborhood insurance agent or shop online to compare rates from insurance providers. Shopping for auto insurance by comparing rates online is easy, in addition you will probably save money.

Consumers not familiar with comparing rates may think purchasing cut-rate 2000 insurance is going to be difficult. Finding a better price on auto insurance can be quick and easy. Consumers just need to spend a few minutes comparing rates from different insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Insurance rates for your 2000 can vary widely based upon several criteria. A few of these criteria are:

• The performance level of your 2000
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Newer models have a higher replacement value so repair costs are higher which can inflate annual premiums. Although newer models may have options included like forward-collision avoidance, adaptive cruise control, and active head restraints which can lower rates.

Auto liability insurance - Liability insurance protects you from injuries or damage you cause to other's property or people by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverages - Collision coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. 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 vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.