You have many choices when attempting to insure your vehicle. You can either buy through your neighborhood insurance agent or price shop online to compare insurance costs of many different companies. Buying auto insurance from online companies is simple to do, in addition you will probably save money.

Shopping online for auto insurance can be complicated if you have never used online quotes. But don't be discouraged because there is an easy way to compare rates. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes comparing rates online with multiple companies. This can be accomplished by getting a quick quote here.

Criteria which help determine insurance rates

Insurance rates on a 2000 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Multiple policies can save money
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Having current coverage saves
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Models that are new cost more so the payout to repair can inflate annual premiums. On the flip side, newer models may have options like an advanced theft deterrent system, all-wheel drive, and traction control which can help offset higher rates.

Liability coverage

2000 liability coverage protects you from injuries or damage you cause to people or other property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2000 can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper .

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills for things like ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and may carry a deductible.