You have many choices when attempting to insure your vehicle. You can either buy through an agent or go online to compare pricing from many different companies. Buying car insurance from online companies can be fast and easy, in addition you can save money.

If you're new to shopping for car insurance online, you may be confused by the hoards of car insurance companies offering insurance. There are several ways to compare rate quotes from different insurance companies. The fastest way to find the lowest is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine

Car insurance premiums for a 2000 can fluctuate considerably depending on several factors. A few of these criteria are:

  • Higher performance 2000 vehicles cost more
  • Accidents raise premiums
  • Multiple policies can save money
  • Use of your vehicle
  • Optional coverages like vehicle replacement
  • Your occupation
  • The level of coverage
  • Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Older models have a much lower replacement value than newer models so repair costs tend to be lower which may result in lower rates. Conversely, new models may have safety features such as an advanced theft deterrent system, all-wheel drive, and traction control which may provide discounts that lower premiums.

Liability coverage

This coverage provides protection from injuries or damage you cause to other people or property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. 2000 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.