Drivers have lots of options when looking for the best insurance on your vehicle. You can get prices from a local agent or price shop online to check prices from many different companies. Finding cheaper car insurance from online companies is simple to do, plus you might just save a little.

Finding the best direct price on car insurance can be difficult if you have never used online rate quotes. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The best way to find competitive is to perform an online rate comparison. This can be done by completing this short form.

Premiums are calculated by these factors

Auto insurance rates paid to insure a 2002 will vary greatly subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor which can affect is the model year. Models that are a few years old have a lower value in comparison to older models so the costs to repair can decrease annual premiums. Conversely, newer models may have a trim level with safety features such as forward-collision avoidance, automatic crash notification, and tire pressure monitors so those may give discounted rates.

Liability coverage

2002 liability coverage protects you from damage or injury you incur to a person or their property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision coverage protection

This pays for damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible 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. It's also possible to bump up the deductible to bring the cost down.

Comprehensive coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.