Drivers have lots of options when trying to insure your vehicle. You can get prices from an insurance agent or price shop online to compare rates from car insurance companies. Comparing auto insurance from online rate quotes is simple to do, plus you may find lower rates.

Using the web to shop for auto insurance direct can be difficult if you have never used quoting online. But don't let that discourage you because we're going to show you how. Finding a lower price on 2002 insurance doesn't have to be difficult. You just have to take a little time to compare quotes online with multiple companies. This can be done by comparing rates here.

Rates are determined by these things

Insurance premiums for a 2002 can be significantly different subject to many criteria. Including but not limited to:

• More performance equals higher cost
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older models so the payout to repair may end up costing you more. But new models have more advanced features including adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system that may help lower rates.

Liability insurance

2002 liability coverage provides protection from damage or injury you incur to other people or property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. 2002 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.