Buying car insurance through online rate quotes is easy and there is a good chance you might just save a little. The key is to take the time to get rates from all companies so you can compare the lowest rate quotes.

People who are new to shopping for insurance may think purchasing low-cost 2002 insurance is going to be difficult. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. By far the easiest way to find the lowest is to get quotes online. This can be accomplished by visiting this page.

Auto insurance rates on a 2002 can vary widely based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 2002
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the cost to replace them will push premiums down. Conversely, newer vehicles may have a trim level with safety features such as adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which can provide discounts that lower premiums.

Auto liability

Liability insurance can cover damage that occurs to people or other property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision insurance

Collision insurance covers damage to your resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2002 can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.