Drivers have lots of options when buying insurance for your vehicle. You can buy direct from an agent or get quotes online to compare rates from lots of different providers. Comparing car insurance through online providers saves time, is easy to do, plus you can save money.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare rate quotes from local car insurance companies. The recommended way to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by these things

Car insurance premiums for a 2002 can vary widely and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Mature drivers pay less
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your occupation
• Your coverage level
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so repair costs tend to be lower which may end up costing you less. On the flip side, new models may have safety features like active head restraints, an advanced theft deterrent system, and lane departure warning system which can lower rates.

Liability auto insurance - This provides protection from damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy higher limits if possible.

Collision coverage - This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2002 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance - Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP coverage is not universally available and gives slightly broader coverage than med pay.