There are many options when shopping for insurance coverage for your vehicle. You can buy direct from a local agent or get quotes online to compare pricing from insurance providers. Finding cheaper car insurance by comparing rates online saves time, is easy to do and there is a good chance you might just save a little.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online quoting. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes and find the best price. The best method to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Auto insurance rates for your 2000 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• What you do for a living
• Insurance coverage level
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the payout to repair may end up costing you less. Although more recent vehicles may have a trim level with safety features included like anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights which may provide discounts that lower premiums.

Auto liability insurance - This will cover damage that occurs to other's property or people that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage - This will pay to fix damage to your resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim 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 - Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. PIP coverage is only offered in select states but can be used in place of medical payments coverage.