You have lots of choices when insurance shopping for your vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare rates from insurance providers. Buying car insurance by comparing rates online saves time, is easy to do and at the same time you will probably save money.

Shopping online for car insurance is challenging if you are a beginner to online rate quotes. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from local car insurance companies. The easiest way to compare is to get quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors determine the rate you pay?

Insurance rates for a 2000 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Multiple policies can save money
• Use of your vehicle
• Special coverage such as replacement cost
• Your profession
• Your coverage level
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a reduced actual cash value so repair costs tend to be lower which may end up costing you less. On the flip side, newer models may have options like automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive so those may lower rates.

Auto liability insurance - This protects you from damages or injuries you inflict on other people or property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as much as you can afford.

Collision - Collision insurance pays for damage to your caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2000 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP coverage is not available in all states and gives slightly broader coverage than med pay.