Comparing car insurance through online rate quotes is easy, plus you will probably save money. The key is to compare as many rate quotes as possible in order to have every option.

Beginners to buying insurance may think buying cheap 2002 insurance is going to be difficult. To find the best car insurance prices, there are several ways to compare rate quotes from different insurance companies. The quickest method to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by these things

Insurance rates for a 2002 will vary greatly based upon several criteria. Including but not limited to:

• Your driving record
• Your credit history
• Your location impacts rates
• How many miles you drive
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2002
• Your profession
• The level of coverage
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a lower value so repair costs tend to be lower which will push premiums down. Conversely, new models may have options such as lane departure warning system, a telematics system, and adaptive headlights so those may lower rates.

Auto liability

Liability insurance provides protection from damage or injury you incur to other people or property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to 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 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not universally available and gives slightly broader coverage than med pay.