You have many choices when attempting to insure your vehicle. You can either buy through your neighborhood insurance agent or go online to check prices from a lot of car insurance companies. Buying car insurance through online companies can be fast and easy, in addition you will probably save money.

If you're new to shopping for car insurance online, you may be confused by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The fastest way to find competitive is to get quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 2000 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 2000 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• How you use your vehicle
• Young drivers cost more
• Having a spouse can save money
• Optional coverages like vehicle replacement
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a much lower replacement value so the costs to repair may result in lower rates. But more recent vehicles may have options including pedestrian detection, a collision avoidance system, and adaptive headlights that may help give discounted rates.

Coverage for liability

This coverage will cover injuries or damage you cause to a person or their property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as large an amount as possible.

Auto collision coverage

Collision insurance will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.