You have many choices when buying insurance for your vehicle. You can either contact your neighborhood insurance agent or get quotes online to compare pricing from multiple companies. Buying car insurance online saves time, is easy to do, in addition you will probably save money.

Shopping online for car insurance can be complicated if you are a beginner to online quoting. But don't be discouraged because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The recommended 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 insurance rates

Insurance rates on a 2000 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Accidents raise premiums
• Multiple policies can save money
• Pleasure use vs. commuting use
• 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 cost to replace them may end up costing you less. But more recent vehicles may have options including adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes which may provide discounts that lower premiums.

Liability coverage - This will cover injuries or damage you cause to people or other property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies 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 vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.