There are many options when insurance shopping for your vehicle. You can either buy through a local agent or go online to compare insurance costs of a lot of auto insurance companies. Buying auto insurance through online companies can be fast and easy and there is a good chance you might just save a little.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Cutting your is not a difficult process. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Auto insurance rates for your 2002 can be significantly different depending on several factors. Some of these factors include:

• Higher performance 2002 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Your birth date
• Being married may save money
• Extra coverages like towing and rental
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the cost to replace them may end up costing you more. But newer vehicles may have a trim level with safety features including a rollover prevention system, forward-collision avoidance, and dual-stage airbags that may help help offset higher rates.

Coverage for liability - This coverage can cover damage that occurs to other's property or people in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision - Collision insurance covers damage to your resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments - Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and may carry a deductible.