You have lots of choices when attempting to insure your vehicle. You can buy from a local agent or price shop online to check prices from lots of different providers. Comparing auto insurance through online providers is simple to do and at the same time you might just save a little.

Using the web to shop for auto insurance direct is challenging if you have never used online rate quotes. But don't be discouraged because comparing prices is actually very simple. Getting cheaper insurance rates is surprisingly easy. The only requirement is to invest a few minutes to get quotes online with multiple companies. This can be done by completing this short form.

What influences the rate you pay?

Auto insurance rates on a 2000 will vary greatly subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Mature drivers pay less
• Having a spouse can save money
• Special coverage such as replacement cost
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the payout to repair will push premiums up. On the flip side, new models may have a trim level with safety features like active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control so those may give discounted rates.

Liability auto insurance

2000 liability coverage provides protection from damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2000 can be pricey, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.