Drivers have lots of options when looking for the best insurance on your vehicle. You can either buy through an insurance agent or price shop online to compare insurance costs of multiple companies. Comparing auto insurance online is simple to do, plus you may find lower rates.

Using the web to shop for auto insurance direct can be difficult if you have never used online quotes. Don't let that stop you because we're going to show you how. Reducing your is not rocket science. All that's required is to spend a few minutes on the computer to compare quotes online with multiple companies. This can be done by getting a quick quote here.

Rates are determined by the following

Insurance premiums for your 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, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• Having current coverage saves
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so the payout to repair can inflate annual premiums. On the flip side, newer vehicles have more advanced features like forward-collision avoidance, tire pressure monitors, and autonomous braking which can help offset higher rates.

Liability coverage

2002 liability coverage can cover damage or injury you incur to other's property or people. 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 buy higher limits if possible.

Collision coverage protection

This coverage covers damage to your resulting from colliding 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 makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, 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.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state and may carry a deductible.