You have lots of choices when insurance shopping for your vehicle. You can either buy through your neighborhood insurance agent or price shop online to compare pricing from many different car insurance companies. Shopping for car insurance through online rate quotes is simple to do and at the same time you will probably save money.

Comparing car insurance rates direct online is challenging if you have never used online quoting. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes and find the best price. The easiest way to find the lowest consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What influences ?

Insurance rates for a 2002 can fluctuate considerably subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Mature drivers pay less
• Being married can lower rates
• Special coverage such as replacement cost
• Your profession
• Insurance coverage level
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a reduced actual cash value so repair costs tend to be lower which can decrease annual premiums. Although new models may have options included like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags which may provide discounts that lower premiums.

Auto liability - 2002 liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision - Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies 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 auto coverage - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - This gives you protection from other motorists when they either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.