There are many options when insurance shopping for your vehicle. You can buy direct from an agent or go online to compare pricing from a lot of car insurance companies. Finding cheaper car insurance through online companies can be fast and easy and there is a good chance you can save money.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of online car insurance companies and websites offering insurance. There are several ways to compare quotes from different insurance companies. The easiest way to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Car insurance premiums for your 2002 can fluctuate considerably depending on several factors. Some of these factors include:

• Higher performance 2002 vehicles cost more
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Your age
• Being married can lower rates
• Extra coverages like towing and rental
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old cost less than newer models so the payout to repair may result in lower rates. Conversely, newer models may have safety features such as a rollover prevention system, forward-collision avoidance, and dual-stage airbags which may provide discounts that lower premiums.

Coverage for liability - This coverage protects you from damage that occurs to other's property or people that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision - This pays for damage to your resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Insurance for medical payments - Med pay and PIP coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.