There are many options when comparing insurance rates on your vehicle. You can get prices from an agent or price shop online to compare insurance costs of companies. Buying auto insurance by quoting online is simple to do and there is a good chance you can save money.

Shopping online for auto insurance can be a challenge if you have never used online rate quotes. Don't let that stop you because it's actually quite easy. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes getting comparison quotes online with multiple companies. This can be accomplished by getting a quick quote here.

Car insurance premiums for your 2002 will vary greatly subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Models that are new cost more than older models so the payout to repair will push premiums up. Conversely, more recent vehicles may have safety features such as blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection so those may help offset higher rates.

Liability coverages - 2002 liability coverage will cover damage that occurs to other's property or people in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverages - Collision insurance will pay to fix damage to your resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverages - Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.