Buying car insurance online can be fast and easy and there is a good chance you may find lower rates. The most important part is getting rates from all companies in order to have all possible prices.
If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of companies selling insurance. The are a couple different ways to compare rate quotes from local car insurance companies. The easiest way by far to compare is to get quotes online. This can be accomplished by comparing rates here.
Insurance premiums on a 2002 can be significantly different depending on several factors. Some of these factors include:
One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new models so the cost to replace them may result in lower rates. On the flip side, new models have more advanced features like forward-collision avoidance, sideview assist mirrors, and all-wheel drive that may help lower rates.
Liability coverage
This coverage provides protection from damage that occurs to people or other property 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 buy as large an amount as possible.
Collision protection
Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2002 can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper .
Comprehensive coverage
This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.