You have lots of choices when shopping for car insurance for your vehicle. You can either contact an agent or shop online to compare insurance costs of car insurance companies. Buying auto insurance from online rate quotes is easy and at the same time you can save money.

People who are new to comparison shopping may think buying affordable 2002 insurance is more work than they want to put in. Lowering your doesn't have to be difficult. You just need to take a few minutes getting comparison quotes from different insurance companies. This can be accomplished by getting a quick quote here.

What factors impact the rate you pay?

Car insurance premiums paid to insure a 2002 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 2002
• Your accident history
• Multiple policies can save money
• How you use your vehicle
• Special coverage such as replacement cost
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Models that are new cost more than older models so repair costs are higher which will push premiums up. But newer models may have safety features including pedestrian detection, tire pressure monitors, and autonomous braking so those may help offset higher rates.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision insurance

Collision insurance pays for damage to your from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive protection

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP is not available in all states and may carry a deductible.