There are many options when attempting to insure your vehicle. You can buy from an agent or shop online to compare insurance costs of car insurance companies. Shopping for auto insurance from online rate quotes is easy and there is a good chance you can save money.

Consumers not familiar with shopping for insurance may think finding low-cost 2002 insurance is more work than they want to put in. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

Car insurance premiums on a 2002 can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your 2002
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so repair costs are higher which may result in higher rates. On the flip side, newer vehicles may have safety features like forward-collision avoidance, adaptive cruise control, and lane departure warning system which may help offset higher rates.

Liability insurance

Liability insurance can cover damage that occurs to people or other property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Auto collision coverage

Collision coverage covers damage to your resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2002 can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, 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 expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. PIP is not an option in every state and may carry a deductible.