There are many options when shopping for car insurance for your vehicle. You can buy from a local agent or get quotes online to compare pricing from insurance carriers. Shopping for auto insurance by getting online quotes saves time, is easy to do and there is a good chance you might just save a little.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online quoting. Don't let that stop you because comparing prices is actually very simple. Lowering your can be relatively painless. You just need to take a few minutes to get quotes online from several insurance companies. This is very easy and can be done by visiting this page.

Auto insurance rates for your 2002 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Claims drive up premiums
• Having current coverage saves
• Whether you own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the costs to repair may result in higher rates. On the flip side, new models may have a trim level with safety features like adaptive headlights, blind-spot warning system, and a rollover prevention system which may provide discounts that lower premiums.

Liability

This provides protection from damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as high a limit as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. PIP coverage is not universally available but can be used in place of medical payments coverage.