Drivers have lots of options when shopping for car insurance for your vehicle. You can either buy through an agent or shop online to compare insurance costs of lots of different providers. Finding cheaper car insurance through online providers is easy, plus you can save money.

Consumers who are new to the process of buying insurance may think purchasing cheap 2000 insurance is hard and time consuming. There are several ways to get quotes from car insurance companies in your area. By far the easiest way to find the cheapest is to perform an online rate comparison. This can be done by getting a quick quote here.

Premiums are calculated by...

Car insurance premiums for a 2000 can vary widely based upon several criteria. Including but not limited to:

• The performance level of your 2000
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Young drivers cost more
• Being married may save money
• Add-on coverages such as rental reimbursement
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower 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 forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification which can help offset higher rates.

Liability auto insurance

Liability insurance will cover damage or injury you incur to other people or property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision insurance

This will pay to fix damage to your caused by collision with a stationary object or other vehicle. 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. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage 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 expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be 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 may carry a deductible.