Finding cheaper car insurance through online providers is simple to do and there is a good chance you may find lower rates. The critical component is to get as many rate quotes as possible so you can compare every possible rate.

Finding the best direct price on car insurance can be a challenge if you have never used online quoting. But don't let that discourage you because we're going to show you how. The are a couple different ways to get quotes from local car insurance companies. The best way to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Insurance premiums for a 2002 can fluctuate considerably subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating impacts rates
• The size of your community
• How many miles you drive
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 2002
• Your job
• Your coverage level
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old cost less compared to new models so repair costs tend to be lower which can decrease annual premiums. On the flip side, more recent vehicles have more advanced features like autonomous braking, tire pressure monitors, and lane departure warning system which may provide discounts that lower premiums.

Liability auto insurance

2002 liability coverage will cover damage that occurs to other people or property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision coverage protection

This will pay to fix damage to your caused by collision with another car or object. 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 lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The most you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.