There are many options when trying to insure your vehicle. You can get prices from a local agent or go online to compare insurance costs of lots of different providers. Comparing auto insurance through online providers can be fast and easy and there is a good chance you might just save a little.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of online companies vying for your business. Finding a lower price on 2002 insurance is surprisingly easy. You just have to take a little time to get quotes provided by online insurance companies. This can be done by getting a quick quote here.

Auto insurance rates paid to insure a 2002 can vary widely depending on several factors. Some of these factors include:

• Higher performance 2002 vehicles cost more
• Any accidents you may have
• Home and auto can earn discounts
• How you use your vehicle
• Young drivers cost more
• Being married may save money
• Extra coverages like towing and rental
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the cost to replace them can inflate annual premiums. Although more recent vehicles may have a trim level with safety features included like a backup camera, autonomous braking, active head restraints, and all-wheel drive which can help offset higher rates.

Liability auto insurance

This coverage will cover damage that occurs to a person or their property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage

This coverage will pay to fix damage to your from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and may carry a deductible.