There are many options when shopping for insurance coverage for your vehicle. You can either contact an insurance agent or go online to check prices from insurance carriers. Finding cheaper auto insurance by getting online quotes can be fast and easy and there is a good chance you may find lower rates.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online companies selling insurance. Getting better can be relatively painless. Just take time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Insurance premiums paid to insure a 2002 can be significantly different depending on several factors. Some of these factors include:

• Higher performance 2002 vehicles cost more
• How many accidents you have had
• Home/auto policy bundles save money
• How you use your vehicle
• Extra coverages like towing and rental
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older models so the cost to replace them may end up costing you more. Although newer vehicles have more advanced features included like lane departure warning system, pedestrian detection, and tire pressure monitors that may help give discounted rates.

Liability - This coverage can cover damage that occurs to a person or their property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage - This covers damage to your from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible in order to get cheaper .

Comprehensive or Other Than Collision - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance - Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.