Drivers have lots of options when shopping for car insurance for your vehicle. You can either buy through your neighborhood insurance agent or price shop online to compare rates from a lot of auto insurance companies. Comparing auto insurance through online companies is simple to do, plus you will probably save money.

Using the web to shop for auto insurance direct can be difficult if you have never used online rate quotes. But don't be discouraged because there is an easy way to compare rates. Lowering your is not a difficult process. You just need to take a few minutes comparing rates online with multiple companies. This can be done by comparing rates here.

Rates are determined by these factors

Insurance rates on a 2002 will vary greatly subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Your age
• Whether you are married
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• No coverage lapses saves money
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Newer models have a higher value so the payout to repair will push premiums up. Conversely, newer models may have options such as a telematics system, a collision avoidance system, tire pressure monitors, and traction control so those may lower rates.

Coverage for liability

2002 liability coverage protects you from damage or injury you incur to people or other property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision insurance

This coverage pays for damage to your resulting from a collision 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. Collision coverage for your 2002 can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum 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 dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.