Drivers have lots of options when looking for the best insurance on your vehicle. You can get prices from your neighborhood insurance agent or price shop online to compare pricing from a lot of auto insurance companies. Comparing auto insurance through online companies is simple to do, plus you will probably save money.

Using the web to shop for auto insurance direct can be difficult if you have never used online quotes. But don't let that discourage you because there is an easy way to compare rates. Reducing your is not a difficult process. All that's required is to spend a few minutes on the computer comparing rates online with multiple companies. This can be done by visiting this page.

Rates are determined by...

Insurance rates for a 2002 can vary widely subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Young drivers cost more
• Being married can lower rates
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• Having continuous coverage saves you money
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. A newer vehicle have a higher value so the payout to repair can inflate annual premiums. Although more recent vehicles may have options included like a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control which can provide discounts that lower premiums.

Coverage for liability

2002 liability coverage will cover damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision coverage protection

This coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2002 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.