Shopping for car insurance through online providers is easy, plus you can save money. The key is to take the time to get rates from all providers so you can get the lowest rate quotes.

Consumers not familiar with buying insurance may think purchasing affordable 2002 insurance is hard and time consuming. There are several ways to compare rate quotes from different insurance companies. By far the easiest way to find competitive consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by these things

Car insurance premiums paid to insure a 2002 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Low deductibles cost more
• Crash test rating for your 2002
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so the costs to repair will push premiums down. Conversely, new models may have safety features such as forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification which can give discounted rates.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.