Drivers have lots of options when shopping for insurance coverage for your vehicle. You can get prices from an agent or go online to compare pricing from lots of different providers. Comparing auto insurance through online providers can be fast and easy, plus you can save money.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies offering insurance. Getting better is surprisingly easy. Just take time getting comparison quotes provided by online insurance companies. This can be done by visiting this page.

Rates are determined by...

Car insurance premiums for a 2002 can vary widely depending on several factors. Including but not limited to:

  • Higher performance 2002 vehicles cost more
  • Any accidents you may have
  • Home and auto can earn discounts
  • Use of your vehicle
  • Young drivers cost more
  • Being married can lower rates
  • Add-on coverages such as rental reimbursement
  • Your claim history
  • Having current coverage saves
  • Home ownership saves money

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so the cost to replace them can inflate annual premiums. On the flip side, more recent vehicles may have safety features like all-wheel drive, a telematics system, and autonomous braking which can provide discounts that lower premiums.

Liability auto insurance - This coverage will cover damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverage - This coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. 2002 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.