You have many choices when buying insurance for your vehicle. You can either buy through a local agent or shop online to compare insurance costs of lots of different providers. Comparing auto insurance through online providers is easy, in addition you might just save a little.

Beginners to comparing rates may think shopping for cheap 2002 insurance is hard and time consuming. Finding lower is surprisingly easy. You just have to spend a little time to get quotes from different insurance companies. This can be done by getting a quick quote here.

Criteria which help determine

Auto insurance rates for a 2002 can be significantly different based upon several criteria. A few of these criteria are:

• The performance level of your 2002
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Mature drivers pay less
• Being married may save money
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so repair costs are higher which may end up costing you more. Although new models may have a trim level with safety features included like active head restraints, an advanced theft deterrent system, and lane departure warning system that may help help offset higher rates.

Liability auto insurance - Liability insurance provides protection 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 consider buying as large an amount as possible.

Collision coverage - This coverage pays to fix your vehicle from damage 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 vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection from other motorists when they either have no liability insurance or not enough. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance - Medical payments and Personal Injury Protection insurance provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP is not universally available and may carry a deductible.