Shopping for auto insurance by quoting online is easy and at the same time you will probably save money. The key is to take the time to get rates from all providers so you can get the cheapest rate quotes.

Consumers not familiar with comparison shopping may think purchasing affordable 2000 insurance is hard. Finding lower is a fairly straight forward process. You just have to spend a little time comparing rates from different insurance companies. This is very easy and can be done by completing this short form.

What factors impact your insurance rates?

Insurance rates paid to insure a 2000 can vary widely based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating
  • Your gender can raise or lower rates
  • Low deductibles cost more
  • Your vehicle's safety rating
  • No claims lowers premiums
  • Maintaining coverage lowers rates
  • Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so repair costs are higher which can inflate annual premiums. But newer models may have options including tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which can give discounted rates.

Liability coverages - Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverage - Collision coverage pays for damage to your from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider 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 coverages - This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments - Med pay and PIP coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.