Drivers have lots of options when insurance shopping for your vehicle. You can either contact an insurance agent or shop online to check prices from insurance carriers. Finding cheaper car insurance by getting online quotes is easy, plus you may find lower rates.

Consumers who are new to the process of buying insurance may think shopping for cut-rate 2002 insurance is nearly impossible. The are a couple different ways to compare quotes from different insurance companies. The easiest way to find competitive is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by these factors

Insurance premiums for your 2002 can be significantly different based upon several criteria. Including but not limited to:

• The performance level of your 2002
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so the payout to repair will push premiums down. Conversely, newer models have more advanced features such as a telematics system, all-wheel drive, and adaptive headlights that may help give discounted rates.

Liability - Liability insurance protects you from damage or injury you incur to other's property or people that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision - This pays for damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical costs insurance - Med pay and PIP coverage provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.