Buying car insurance by comparing rates online is easy and there is a good chance you might just save a little. The key is to compare as many rate quotes as possible so you can compare the best prices.

People who are new to shopping for insurance may think buying cheap 2002 insurance is going to be difficult. When shopping for car insurance there are multiple ways of comparing rates and find the best price. One of the best ways to find the lowest is to get quotes online. This can be accomplished by visiting this page.

Auto insurance rates for a 2002 will vary greatly based upon several criteria. Some of these factors include:

• Your driving record
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 2002
• What you do for a living
• Insurance coverage level
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so repair costs tend to be lower which will push premiums down. Although newer vehicles may have a trim level with safety features included like forward-collision avoidance, adaptive cruise control, and active head restraints so those may provide discounts that lower premiums.

Auto liability insurance - Liability insurance can cover damage that occurs to other people or property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverages - Collision insurance covers damage to your caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. 2002 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP is not an option in every state but can be used in place of medical payments coverage.