Shopping for car insurance by quoting online is easy, plus you may find lower rates. The key is to compare rates from all providers so you can compare all possible prices.

Consumers not familiar with buying insurance may think buying affordable 2002 insurance is hard. The are a couple different ways to get quotes from local car insurance companies. The easiest way by far to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by...

Insurance premiums paid to insure a 2002 will vary greatly based upon several criteria. Including but not limited to:

• Your driving record
• Your credit history
• Men typically pay more than women
• Higher deductibles save money
• Crash test rating for your 2002
• Your job
• Your coverage level
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so the costs to repair will push premiums down. On the flip side, more recent vehicles have more advanced features like automatic crash notification, blind-spot warning system, and an advanced theft deterrent system so those may provide discounts that lower premiums.

Liability coverages

Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. PIP is only offered in select states but can be used in place of medical payments coverage.