You have many choices when trying to insure your vehicle. You can either buy through an agent or shop online to compare rates from insurance carriers. Finding cheaper car insurance by getting online quotes is easy, in addition you can save money.

Consumers who are new to the process of comparing rates may think purchasing cheap 2000 insurance is nearly impossible. There are several ways to get quotes from car insurance companies in your area. The quickest method to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine

Car insurance premiums for a 2000 can vary widely based upon several criteria. A few of these criteria are:

• The performance level of your 2000
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so repair costs tend to be lower which will push premiums down. But more recent vehicles may have safety features including a telematics system, dual-stage airbags, a rollover prevention system, and a collision avoidance system which can lower rates.

Liability

Liability insurance will cover injuries or damage you cause to other people or property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverage

This will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. 2000 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.