Comparing car insurance by comparing rates online is easy, in addition you might just save a little. The key is getting as many rate quotes as possible in order to have the best prices.

Beginners to comparing rates may think shopping for cheap 2002 insurance is going to be difficult. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. One of the best ways to compare involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Auto insurance rates for a 2002 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• What you do for a living
• Your coverage level
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so repair costs tend to be lower which will push premiums down. On the flip side, more recent vehicles may have a trim level with safety features like forward-collision avoidance, adaptive cruise control, and active head restraints that may help lower rates.

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

Collision coverages - This coverage 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 and then insurance will cover the remainder. 2002 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is only offered in select states and gives slightly broader coverage than med pay.