You have many choices when shopping for car insurance for your vehicle. You can buy from a local agent or price shop online to check prices from multiple companies. Finding cheaper car insurance online is simple to do, in addition you might just save a little.

Finding the best direct price on car insurance can be complicated if you have never used online quotes. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates and find the best price. By far the easiest way to find competitive is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine your insurance rates

Auto insurance rates for your 2002 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor which can affect is the model year. Models that are a few years old have a much lower replacement value in comparison to older models so the payout to repair can decrease annual premiums. Although newer vehicles may have a trim level with safety features included like pedestrian detection, dual-stage airbags, and blind-spot warning system which can give discounted rates.

Liability coverage

2002 liability coverage can cover injuries or damage you cause to other's property or people that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Collision insurance

This covers damage to your resulting from colliding with another vehicle or an object, but not an animal. 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 vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.