Drivers have lots of options when shopping for car insurance for your vehicle. You can buy direct from an agent or get quotes online to check prices from lots of different providers. Comparing auto insurance through online providers saves time, is easy to do, plus you can save money.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online rate quotes. Don't let that stop you because it's actually quite easy. Lowering your is surprisingly easy. You just need to take a few minutes getting comparison quotes online from several insurance companies. This can be done by completing this short form.

Rates are determined by these things

Car insurance premiums for your 2002 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your claim history
• Having current coverage saves
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so the costs to repair will push premiums up. On the flip side, new models may have safety features like forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification so those may give discounted rates.

Liability auto insurance

This provides protection from damage or injury you incur to other's property or people. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as much as you can afford.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.