You have many choices when trying to find low-cost insurance for your vehicle. You can buy direct from an insurance agent or shop online to check prices from multiple insurance companies. Buying auto insurance on the web is easy, in addition you may find lower rates.
People who are new to comparing rates may think buying low-cost 2002 insurance is not very easy. Getting lower isn't really that difficult. The only thing you need to do is invest a little time to compare quotes from different insurance companies. This can be accomplished by completing this short form.
Insurance premiums on a 2002 will vary greatly based upon several criteria. A few of these criteria are:
One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older models so repair costs are higher which will push premiums up. Conversely, new models have more advanced features such as lane departure warning system, a telematics system, and a collision avoidance system so those may give discounted rates.
Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as much as you can afford.
Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2002 can be pricey, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.
This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. 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 payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.