You have lots of choices when attempting to insure your vehicle. You can buy direct from a local agent or get quotes online to compare insurance costs of car insurance companies. Comparing auto insurance from online rate quotes saves time, is easy to do and at the same time you might just save a little.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quotes. Don't let that stop you because comparing prices is actually very simple. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes to get quotes online from several insurance companies. This can be done by getting a quick quote here.

What factors determine your insurance rates?

Auto insurance rates for your 2000 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• 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 can impact is the model year. Models that are new have a higher value in comparison to later models so the costs to repair can inflate annual premiums. Although new models may have a trim level with safety features included like forward-collision avoidance, adaptive cruise control, and lane departure warning system which can help offset higher rates.

Liability insurance

This provides protection from damages or injuries you inflict on other's property or people. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive protection

Comprehensive insurance coverage covers 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 maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP coverage is not universally available and may carry a deductible.