You have lots of choices when finding cheaper insurance coverage on your vehicle. You can buy direct from an agent or get quotes online to check prices from multiple companies. Shopping for car insurance online saves time, is easy to do and at the same time you can save money.

Comparing car insurance rates direct online is challenging if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare rate quotes and find the best price. The easiest way by far to find competitive consists of shopping online. It is quite easy and can be accomplished by completing this short form.

What factors determine your insurance rates?

Car insurance premiums for a 2002 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Special coverage such as replacement cost
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so repair costs tend to be lower which may end up costing you less. Although new models may have safety features included like forward-collision avoidance, sideview assist mirrors, and all-wheel drive which can give discounted rates.

Liability coverage

This provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy higher limits if possible.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2002 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists 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. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.