Shopping for car insurance through online rate quotes is easy, in addition you will probably save money. The key is to get as many rate quotes as possible in order to have the cheapest rate quotes.

Consumers not familiar with comparing rates may think finding cheap 2002 insurance is going to be difficult. To find the best car insurance prices, there are several ways to get quotes from local car insurance companies. The recommended way to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance rates for a 2002 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your profession
• Your coverage level
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a much lower replacement value so repair costs tend to be lower which will push premiums down. On the flip side, more recent vehicles may have options like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which may lower rates.

Auto liability - Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. 2002 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper .

Comprehensive auto coverage - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability 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 payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. PIP is only offered in select states and gives slightly broader coverage than med pay.