You have lots of choices when attempting to insure your vehicle. You can get prices from your neighborhood insurance agent or go online to compare rates from lots of different providers. Finding cheaper car insurance through online providers can be fast and easy and at the same time you will probably save money.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The fastest way to compare is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

Which factors influence ?

Insurance rates paid to insure a 2000 can fluctuate considerably depending on several factors. Taken into consideration are:

• Higher performance 2000 vehicles cost more
• Accidents raise premiums
• Home/auto policy bundles save money
• How you use your vehicle
• Young drivers cost more
• Whether you are married
• Special coverage such as replacement cost
• Your profession
• The amount of protection requested
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a reduced actual cash value so the costs to repair may result in lower rates. But more recent vehicles may have options including active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control which may lower rates.

Liability auto insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Auto collision coverage

This will pay to fix damage to your from colliding with an object or car. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.