You have lots of choices when buying insurance for your vehicle. You can buy from an insurance agent or go online to check prices from multiple insurance companies. Comparing auto insurance on the web can be fast and easy and at the same time you may find lower rates.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of companies selling insurance. Finding lower isn't really that difficult. You just have to spend a little time to compare quotes provided by online insurance companies. This can be done by completing this short form.

Which factors influence the rate you pay?

Insurance premiums on a 2002 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2002 vehicles cost more
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Your age
• Having a spouse can save money
• Special coverage such as replacement cost
• Whether or not you have claims
• No coverage lapses saves money
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older models so the cost to replace them will push premiums up. Conversely, newer models have more advanced features such as tire pressure monitors, active head restraints, and pedestrian detection so those may give discounted rates.

Liability car insurance - This coverage protects you from damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage - This coverage pays for damage to your resulting from a collision with an object or car. 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 auto insurance - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical expenses - Med pay and PIP coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.