You have lots of choices when buying insurance for your vehicle. You can either buy through an agent or get quotes online to check prices from many different auto insurance companies. Buying auto insurance through online rate quotes saves time, is easy to do and at the same time you can save money.

Shopping online for auto insurance is challenging if you are a beginner to quoting online. But don't let that discourage you because it's actually quite easy. Finding lower can be surprisingly simple. You just have to spend a little time getting comparison quotes online from several insurance companies. This can be accomplished by completing this short form.

What factors determine car insurance premiums?

Car insurance premiums for a 2002 can be significantly different and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• How many accidents you have had
• Multiple policies can save money
• Use of your vehicle
• Your age
• Having a spouse can save money
• Special coverage such as replacement cost
• Your claim history
• Having continuous coverage saves you money
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so the costs to repair may end up costing you more. Although newer models may have safety features included like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors that may help give discounted rates.

Auto liability - This protects you from damages or injuries you inflict on other people or property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage - Collision insurance pays for damage to your caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2002 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive auto coverage - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage - Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.