You have lots of choices when shopping for car insurance for your vehicle. You can buy direct from an insurance agent or shop online to compare insurance costs of companies. Comparing auto insurance by quoting online is easy and at the same time you may find lower rates.

Beginners to comparison shopping may think shopping for cheap 2002 insurance is hard. Lowering your is a fairly straight forward process. You just need to take a few minutes to compare quotes from different insurance companies. This can be done by getting a quick quote here.

What factors impact car insurance premiums?

Insurance premiums for a 2002 can be significantly different based upon several criteria. Taken into consideration are:

• The performance level of your 2002
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Special coverage such as replacement cost
• Whether or not you have claims
• Having current coverage saves
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so repair costs are higher which may end up costing you more. On the flip side, newer vehicles have more advanced features like lane departure warning system, anti-lock brakes, and adaptive headlights that may help help offset higher rates.

Liability coverages

Liability insurance can cover damages or injuries you inflict on other people or property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision insurance

This coverage covers damage to your caused by collision with an object or car. 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 lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state and may carry a deductible.