You have many choices when insurance shopping for your vehicle. You can either buy through a local agent or get quotes online to compare insurance costs of car insurance companies. Finding cheaper auto insurance from online rate quotes saves time, is easy to do, in addition you might just save a little.

Finding the best direct price on auto insurance can be complicated if you are a beginner to quoting online. But don't let that discourage you because comparing prices is actually very simple. Cutting your doesn't have to be difficult. Drivers just need to take a couple of minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine

Auto insurance rates for a 2002 can be significantly different and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• How many accidents you have had
• Home/auto policy bundles save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Claims drive up premiums
• No coverage lapses saves money
• Owning a home can lower rates

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so the costs to repair may end up costing you more. Conversely, more recent vehicles may have a trim level with safety features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system that may help help offset higher rates.

Liability insurance - This will cover injuries or damage you cause to other people or property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as large an amount as possible.

Collision - This will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2002 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states and may carry a deductible.