Drivers have lots of options when buying insurance for your vehicle. You can get prices from a local agent or price shop online to compare pricing from a lot of car insurance companies. Shopping for car insurance through online companies is simple to do, plus you might just save a little.

Comparing car insurance rates direct online can be difficult if you have never used online quotes. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes and find the best price. The recommended way to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by...

Auto insurance rates for a 2002 can vary widely subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Young drivers cost more
• Being married can lower rates
• Add-on coverages such as rental reimbursement
• What you do for a living
• Insurance coverage level
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so repair costs tend to be lower which can decrease annual premiums. Although more recent vehicles may have a trim level with safety features included like adaptive cruise control, pedestrian detection, and lane departure warning system which can provide discounts that lower premiums.

Coverage for liability - 2002 liability coverage will cover damage or injury you incur to other people or property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Collision coverage - Collision coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2002 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.