You have many choices when attempting to insure your vehicle. You can get prices from your neighborhood insurance agent or go online to compare pricing from a lot of auto insurance companies. Finding cheaper auto insurance through online companies can be fast and easy, in addition you will probably save money.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of auto insurance companies competing for your business. Getting cheaper insurance rates is not a difficult process. The only requirement is to invest a few minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine

Insurance rates for a 2002 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 2002 vehicles cost more
• How many accidents you have had
• Home/auto policy bundles save money
• Use of your vehicle
• Your birth date
• Being married can lower rates
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Having current coverage saves
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. A newer vehicle have a higher actual cash value so the cost to replace them may end up costing you more. On the flip side, newer vehicles may have options like pedestrian detection, a collision avoidance system, and adaptive headlights that may help provide discounts that lower premiums.

Coverage for liability

This coverage can cover injuries or damage you cause to other people or property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so purchase as large an amount as possible.

Auto collision coverage

This covers damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. 2002 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, surgery, and doctor visits. 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 not an option in every state but can be used in place of medical payments coverage.