Buying car insurance through online companies is simple to do, in addition you can save money. The critical component is to compare as many rate quotes as possible so you can compare all possible prices.

Shopping online for car insurance can be complicated if you have never used online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes from different insurance companies. The easiest way by far to find the lowest is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine

Car insurance premiums for a 2000 will vary greatly subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Your credit history
• Your gender can raise or lower rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Older models have a much lower replacement value than newer models so repair costs tend to be lower which can decrease annual premiums. Conversely, newer models may have safety features such as active head restraints, traction control, and a rollover prevention system so those may provide discounts that lower premiums.

Coverage for liability

2000 liability coverage protects you from injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision protection

Collision insurance pays for damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 2000 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.