Drivers have lots of options when insurance shopping for your vehicle. You can buy direct from a local agent or go online to check prices from a lot of car insurance companies. Finding cheaper car insurance through online companies can be fast and easy, plus you might just save a little.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to get quotes and find the best price. The easiest way to find competitive is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by...

Auto insurance rates on a 2000 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 2000 vehicles cost more
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• What you do for a living
• Insurance coverage level
• Home ownership saves money

A final factor which can affect is the model year. Models that are a few years old have a lower value in comparison to older models so the cost to replace them may result in lower rates. Although more recent vehicles may have a trim level with safety features included like a rollover prevention system, forward-collision avoidance, and dual-stage airbags so those may give discounted rates.

Coverage for liability - This coverage will cover damage or injury you incur to people or other property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision - This will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2000 can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.