You have many choices when trying to find low-cost insurance for your vehicle. You can get prices from an insurance agent or go online to check prices from multiple companies. Shopping for auto insurance online can be fast and easy, in addition you may find lower rates.

If shopping for auto insurance online is new to you, you may be confused by the hoards of online auto insurance companies and websites selling insurance. Getting lower is not rocket science. The only thing you need to do is invest a little time to compare quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Criteria which help determine your insurance rates

Insurance premiums for your 2002 can vary widely depending on several factors. A few of these criteria are:

• Higher performance 2002 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so the cost to replace them can inflate annual premiums. But new models have more advanced features including a telematics system, adaptive cruise control, and anti-lock brakes which can give discounted rates.

Liability coverage

This coverage provides protection from injuries or damage you cause to other's property or people by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy higher limits if possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.