You have many choices when insurance shopping for your vehicle. You can either buy through your neighborhood insurance agent or price shop online to check prices from many different auto insurance companies. Finding cheaper auto insurance through online rate quotes is simple to do, in addition you will probably save money.

Finding the best direct price on auto insurance can be complicated if you have never used online rate quotes. But don't let that discourage you because there is an easy way to compare rates. Cutting your can be surprisingly simple. Drivers just need to take a couple of minutes comparing rates online with multiple companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine

Insurance rates for a 2002 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Your birth date
• Having a spouse can save money
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Having current coverage saves
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. New vehicles have a higher actual cash value so the payout to repair will push premiums up. On the flip side, newer vehicles may have options like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may give discounted rates.

Auto liability - 2002 liability coverage can cover injuries or damage you cause to other people or property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision - This covers damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a 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 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive auto coverage - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers 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 should not be overlooked.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP reimburse you for bills for things like ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.