Drivers have lots of options when comparing insurance rates on your vehicle. You can either buy through your neighborhood insurance agent or go online to compare rates from multiple companies. Comparing car insurance online can be fast and easy, plus you will probably save money.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of car insurance companies competing for your business. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. One of the best ways to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by the following

Insurance rates for a 2000 can vary widely depending on several factors. Including but not limited to:

• Higher performance 2000 vehicles cost more
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Your profession
• The amount of protection requested
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a lower value so repair costs tend to be lower which may result in lower rates. But newer vehicles may have options including dual-stage airbags, tire pressure monitors, and blind-spot warning system which can lower rates.

Liability coverage - This coverage can cover damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverages - This coverage covers damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. 2000 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout your car insurance company will pay 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 and 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 pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.