You have many choices when attempting to insure your vehicle. You can either buy through an insurance agent or get quotes online to compare insurance costs of many different auto insurance companies. Finding cheaper auto insurance through online rate quotes saves time, is easy to do, in addition you may find lower rates.

Finding the best direct price on auto insurance can be complicated if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes to compare quotes online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine insurance rates

Insurance premiums on a 2000 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Mature drivers pay less
• Being married may save money
• Optional coverages like vehicle replacement
• Whether or not you have claims
• No coverage lapses saves money
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the costs to repair will push premiums up. Conversely, new models have more advanced features such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights so those may help offset higher rates.

Auto liability

This provides protection from injuries or damage you cause to people or other property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as much as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2000 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP coverage is not universally available and may carry a deductible.