You have many choices when comparing insurance rates on your vehicle. You can buy from an agent or go online to compare insurance costs of insurance providers. Buying car insurance by comparing rates online can be fast and easy, in addition you can save money.

If you're new to shopping for car insurance online, you may be confused by the hoards of online car insurance companies and websites offering insurance. There are several ways to compare quotes from different insurance companies. One of the best ways to find the cheapest is to get quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your 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
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Older models have a much lower replacement value than newer models so the payout to repair may result in lower rates. Conversely, newer models may have safety features such as forward-collision avoidance, adaptive cruise control, and active head restraints that may help help offset higher rates.

Auto liability insurance - This coverage protects you from injuries or damage you cause to other's property or people in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverages - Collision insurance pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured and underinsured coverage - This coverage provides protection from other drivers when they do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage pay for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and may carry a deductible.