Drivers have lots of options when shopping for car insurance for your vehicle. You can either buy through a local agent or price shop online to check prices from a lot of auto insurance companies. Comparing auto insurance through online companies is simple to do, plus you might just save a little.

Using the web to shop for auto insurance direct can be difficult if you have never used online quotes. But don't be discouraged because comparing prices is actually very simple. Lowering your is not a difficult process. You just need to take a few minutes to get quotes online with multiple companies. This can be done by completing this short form.

Rates are determined by...

Auto insurance rates on a 2002 can vary widely subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the payout to repair can inflate annual premiums. On the flip side, more recent vehicles may have a trim level with safety features like a telematics system, a collision avoidance system, tire pressure monitors, and traction control which can give discounted rates.

Coverage for liability

2002 liability coverage will cover damage or injury you incur to people or other property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Collision insurance

This coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your 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 vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.