Comparing auto insurance through online providers is easy, in addition you may find lower rates. The key is getting as many rate quotes as possible in order to have the lowest priced insurance.

Beginners to comparing rates may think shopping for cheap 2002 insurance is hard and time consuming. Getting better is surprisingly easy. Just take time to compare quotes from different insurance companies. This can be done by comparing rates here.

Criteria which help determine

Insurance premiums for a 2002 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Whether or not you have claims
• Having current coverage saves
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older models so repair costs are higher which may end up costing you more. On the flip side, newer models have more advanced features like all-wheel drive, a telematics system, and autonomous braking that may help lower rates.

Liability auto insurance - Liability insurance protects you from injuries or damage you cause to other people or property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision coverage - This coverage pays for damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. 2002 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance - Med pay and PIP coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not available in all states and gives slightly broader coverage than med pay.