Drivers have lots of options when shopping for car insurance for your vehicle. You can buy from an agent or shop online to compare insurance costs of many different auto insurance companies. Shopping for auto insurance through online rate quotes is easy, plus you can save money.

Consumers not familiar with buying insurance may think purchasing affordable 2002 insurance is going to be difficult. Lowering your can be surprisingly simple. You just need to take a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

Car insurance rates influenced by...

Car insurance premiums paid to insure a 2002 can vary widely based upon several criteria. Including but not limited to:

• The performance level of your 2002
• Any accidents you may have
• Whether you insure your home with the same company
• How you use your vehicle
• Young drivers cost more
• Being married may save money
• Add-on coverages such as rental reimbursement
• Your claim history
• Having continuous coverage saves you money
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so repair costs are higher which can inflate annual premiums. Although more recent vehicles may have safety features included like adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which can help offset higher rates.

Auto liability

Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision insurance

Collision coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.