There are many options when trying to find low-cost insurance for your vehicle. You can buy direct from a local agent or price shop online to compare rates from multiple insurance companies. Finding cheaper auto insurance on the web is simple to do and there is a good chance you might just save a little.

Finding the best direct price on auto insurance can be a challenge if you have never used online quoting. But relax because comparing prices is actually very simple. Getting lower isn't really that difficult. The only thing you need to do is invest a little time to get quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

Auto insurance rates paid to insure a 2002 can fluctuate considerably subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Accidents raise premiums
• Home/auto policy bundles save money
• How you use your vehicle
• Mature drivers pay less
• Whether you are married
• Extra coverages like towing and rental
• Claims drive up premiums
• Having current coverage saves
• Whether you own your home

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so the payout to repair may result in higher rates. On the flip side, new models may have a trim level with safety features like lane departure warning system, a telematics system, and a collision avoidance system which may lower rates.

Liability car insurance

2002 liability coverage provides protection from damage that occurs to a person or their property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive auto insurance

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.