You have lots of choices when trying to insure your vehicle. You can either buy through a local agent or get quotes online to compare rates from multiple companies. Shopping for auto insurance online saves time, is easy to do and at the same time you might just save a little.

Comparing auto insurance rates direct online is challenging if you are a beginner to quoting online. But don't be discouraged because comparing prices is actually very simple. Finding a lower price on 2000 insurance is not rocket science. You just have to take a little time to get quotes online from several insurance companies. This is very easy and can be done by comparing rates here.

What factors determine car insurance premiums?

Auto insurance rates on a 2000 can be significantly different and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the costs to repair may end up costing you more. Although new models may have a trim level with safety features included like sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors that may help lower rates.

Liability coverage

This provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2000 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest 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 removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP coverage is not universally available and gives slightly broader coverage than med pay.