Drivers have lots of options when comparing insurance rates on your vehicle. You can buy direct from an insurance agent or get quotes online to compare rates from multiple insurance companies. Buying auto insurance on the web saves time, is easy to do, plus you may find lower rates.

Shopping online for auto insurance can be difficult if you are a beginner to online quotes. But relax because we're going to show you how. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes to compare quotes online from several insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by...

Insurance premiums paid to insure a 2000 can vary widely and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Any accidents you may have
  • Multiple policies can save money
  • How you use your vehicle
  • Young drivers cost more
  • Whether you are married
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • No coverage lapses saves money
  • Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the costs to repair can inflate annual premiums. Conversely, more recent vehicles have more advanced features such as a telematics system, lane departure warning system, and tire pressure monitors which can lower rates.

Liability car insurance - This will cover damage or injury you incur to a person or their property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy higher limits if possible.

Collision coverages - Collision insurance will pay to fix damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto insurance - This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.