Drivers have lots of options when buying insurance for your vehicle. You can either contact a local agent or price shop online to compare insurance costs of multiple companies. Comparing car insurance online is simple to do, plus you might just save a little.

Using the web to shop for car insurance direct can be difficult if you have never used online quoting. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The recommended way to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by these factors

Auto insurance rates for a 2000 can fluctuate considerably subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Accidents raise premiums
• Home and auto can earn discounts
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• What you do for a living
• Your coverage level
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so repair costs tend to be lower which can decrease annual premiums. On the flip side, newer models may have a trim level with safety features like adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes which may help offset higher rates.

Liability coverage - 2000 liability coverage protects you from damage or injury you incur to other people or property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision coverage - This coverage pays for damage to your caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. 2000 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverage - Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP - Med pay and PIP coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and may carry a deductible.