Finding cheaper car insurance by quoting online is easy, plus you may find lower rates. The key is getting rates from all providers in order to have the lowest rate quotes.

Consumers who are new to the process of buying insurance may think shopping for affordable 2002 insurance is hard. The are a couple different ways to compare quotes and find the best price. By far the easiest way to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by these factors

Insurance premiums paid to insure a 2002 can be significantly different based upon several criteria. Including but not limited to:

• Your driving record
• Better credit means lower rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2002
• Your job
• Insurance coverage level
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so the costs to repair will push premiums down. Although newer models have more advanced features included like lane departure warning system, anti-lock brakes, and adaptive headlights that may help lower rates.

Liability coverages

Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision insurance

This pays for damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive coverages

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.