Comparing auto insurance by quoting online is easy, plus you will probably save money. The key is to get rates from all companies in order to accurately compare the best prices.

Beginners to buying insurance may think finding low-cost 2002 insurance is hard. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes comparing rates from different insurance companies. This can be done by getting a quick quote here.

Rates are determined by...

Insurance rates on a 2002 can fluctuate considerably based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating impacts rates
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2002
• 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. Models that are new have a higher value so repair costs are higher which may result in higher rates. Although more recent vehicles may have options included like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which may help offset higher rates.

Liability coverages - Liability insurance will cover damage or injury you incur to people or other property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision coverages - This coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2002 can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive coverages - This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.