You have many choices when buying insurance for your vehicle. You can either contact a local agent or shop online to compare insurance costs of car insurance companies. Shopping for car insurance from online rate quotes is easy, in addition you might just save a little.

Consumers not familiar with comparing rates may think purchasing cut-rate 2002 insurance is more work than they want to put in. When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The recommended way to find the cheapest consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 2002 can vary widely based upon several criteria. A few of these criteria are:

• The performance level of your 2002
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• What you do for a living
• Your coverage level
• Owning a home can lower rates

A final factor that will help determine is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so the payout to repair will push premiums down. On the flip side, new models may have a trim level with safety features like adaptive cruise control, anti-lock brakes, and active head restraints which can help offset higher rates.

Liability insurance - Liability insurance provides protection from injuries or damage you cause to other's property or people by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverage - Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive protection - Comprehensive insurance coverage 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 maximum payout a car 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 when other motorists either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage - Medical payments and Personal Injury Protection insurance provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP is not universally available and may carry a deductible.