You have lots of choices when trying to insure your vehicle. You can either buy through an agent or go online to compare rates from insurance providers. Comparing auto insurance by comparing rates online can be fast and easy and at the same time you can save money.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies offering insurance. Finding a lower price on 2000 insurance can be quick and easy. You just have to take a little time getting comparison quotes provided by online insurance companies. This can be done by comparing rates here.

Which factors influence the rate you pay?

Car insurance premiums for a 2000 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2000 vehicles cost more
• Your accident history
• Home and auto can earn discounts
• Use of your vehicle
• Special coverage such as replacement cost
• Your claim history
• Having current coverage saves
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so the cost to replace them will push premiums up. On the flip side, newer vehicles may have safety features like dual-stage airbags, a rollover prevention system, and lane departure warning system so those may lower rates.

Auto liability insurance

This coverage can cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverage

This coverage covers damage to your caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. 2000 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.