You have many choices when looking for the best insurance on your vehicle. You can buy direct from an agent or price shop online to compare insurance costs of a lot of auto insurance companies. Shopping for auto insurance through online companies is simple to do, in addition you can save money.

Comparing auto insurance rates direct online can be complicated if you have never used online quotes. But don't let that discourage you because it's actually quite easy. Reducing your is not a difficult process. All that's required is to spend a few minutes on the computer getting comparison quotes online with multiple companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Car insurance premiums for a 2002 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Mature drivers pay less
• Being married may save money
• Optional coverages like vehicle replacement
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

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 the payout to repair can inflate annual premiums. But new models may have safety features including a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control which can help offset higher rates.

Coverage for liability

2002 liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2002 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills such as ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.