Drivers have lots of options when attempting to insure your vehicle. You can either buy through an insurance agent or go online to check prices from car insurance companies. Buying auto insurance from online rate quotes can be fast and easy, plus you may find lower rates.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of companies selling insurance. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes to compare quotes provided by online insurance companies. This can be accomplished by completing this short form.

Rates are impacted by the following

Insurance premiums on a 2002 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 2002 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• No coverage lapses saves money
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older models so the cost to replace them will push premiums up. Conversely, newer vehicles have more advanced features such as forward-collision avoidance, adaptive cruise control, and lane departure warning system so those may give discounted rates.

Liability insurance

This coverage can cover damage or injury you incur to people or other property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2002 can be pricey, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.