You have many choices when comparing insurance rates on your vehicle. You can either buy through an agent or go online to check prices from insurance carriers. Buying car insurance by getting online quotes can be fast and easy, in addition you can save money.

If you're new to shopping for car insurance online, you may be confused by the hoards of companies offering insurance. There are several ways to compare quotes from different insurance companies. One of the best ways to find competitive is to get quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Car insurance premiums on a 2002 will vary greatly depending on several factors. A few of these criteria are:

• Higher performance 2002 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Older models have a much lower replacement value than newer models so the cost to replace them may result in lower rates. Conversely, newer models may have safety features such as pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification so those may give discounted rates.

Liability - This coverage protects you from injuries or damage you cause to people or other property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverages - Collision insurance pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2002 can be pricey, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. 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.

Medical costs insurance - Med pay and PIP coverage pay for bills such as ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.