You have lots of choices when trying to insure your vehicle. You can buy direct from an insurance agent or shop online to check prices from multiple companies. Buying car insurance online is easy and at the same time you may find lower rates.

People who are new to comparison shopping may think shopping for low-cost 2002 insurance is very challenging. The are a couple different ways to get quotes from different insurance companies. The quickest method to find competitive is to get quotes online. It is quite easy and can be accomplished by completing this short form.

What factors impact car insurance premiums?

Insurance premiums on a 2002 can be significantly different based upon several criteria. Taken into consideration are:

• The performance level of your 2002
• How many accidents you have had
• Multiple policies can save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the cost to replace them will push premiums down. Conversely, more recent vehicles have more advanced features such as sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors that may help give discounted rates.

Liability coverage

Liability insurance will cover damages or injuries you inflict on people or other property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision coverage

Collision insurance will pay to fix damage to your resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 2002 can be pricey, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.