There are many options when comparing insurance rates on your vehicle. You can get prices from an agent or price shop online to compare rates from car insurance companies. Comparing auto insurance from online rate quotes is simple to do and there is a good chance you can save money.

Using the web to shop for auto insurance direct can be a challenge if you have never used quoting online. But don't be discouraged because it's actually quite easy. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes getting comparison quotes online with multiple companies. This can be done by comparing rates here.

Car insurance premiums on a 2002 can be significantly different subject to many criteria. Some of these factors include:

• More performance equals higher cost
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so the payout to repair may end up costing you more. Conversely, newer vehicles may have safety features such as a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system that may help lower rates.

Liability insurance - 2002 liability coverage can cover damage that occurs to people or other property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as large an amount as possible.

Collision coverages - This coverage covers damage to your resulting from a collision with another car or object. You first must 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 older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive protection - This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense coverage - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.