You have lots of choices when looking for the best insurance on your vehicle. You can buy from an agent or price shop online to check prices from companies. Buying car insurance by quoting online is simple to do and at the same time you can save money.

Shopping online for car insurance is challenging if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways to compare rate quotes from different insurance companies. The best way to find competitive is to get quotes online. It is quite easy and can be accomplished by completing this short form.

What influences the rate you pay?

Car insurance premiums on a 2002 will vary greatly subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your occupation
• The level of coverage
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Older models have a reduced actual cash value than newer models so the cost to replace them can decrease annual premiums. Conversely, new models may have safety features such as dual-stage airbags, sideview assist mirrors, and active head restraints so those may give discounted rates.

Liability coverages

2002 liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2002 can be pricey, so consider removing coverage from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.