You have lots of choices when looking for the best insurance on your vehicle. You can either buy through a local agent or price shop online to compare rates from multiple insurance companies. Shopping for car insurance on the web is simple to do and at the same time you might just save a little.

Comparing car insurance rates direct online is challenging 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. The best way to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

What influences your insurance rates?

Auto insurance rates for your 2002 can vary widely subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Your birth date
• Whether you are married
• Special coverage such as replacement cost
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash 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 a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which can lower rates.

Liability car insurance

2002 liability coverage can cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Collision coverage protection

Collision coverage covers damage to your resulting from colliding with an object or car. 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. You can also bump up the deductible in order to get cheaper .

Comprehensive car insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often 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 and gives slightly broader coverage than med pay.