Buying auto insurance by getting online quotes is easy, in addition you might just save a little. The key is to take the time to get as many rate quotes as possible in order to have all possible prices.

People who are new to comparing rates may think purchasing cheap 2000 insurance is nearly impossible. Finding cheaper coverage prices can be relatively painless. All you need to do is take the time to get quotes from different insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine

Auto insurance rates for a 2000 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

A final factor that helps determine is the model year. Newer models cost more in comparison to later models so repair costs are higher which can inflate annual premiums. Although new models may have a trim level with safety features included like traction control, adaptive headlights, and automatic crash notification which can lower rates.

Liability

Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. 2000 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance pays for 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 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 removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since 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 very important.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP is not universally available and gives slightly broader coverage than med pay.