You have lots of choices when trying to find low-cost insurance for your vehicle. You can buy direct from an agent or price shop online to check prices from many different car insurance companies. Comparing car insurance through online rate quotes is simple to do and at the same time you can save money.

Using the web to shop for car insurance direct is challenging if you have never used online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways of comparing rates from different insurance companies. The simplest method to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What influences the rate you pay?

Car insurance premiums for a 2002 will vary greatly subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• Use of your vehicle
• Your birth date
• Having a spouse can save money
• Special coverage such as replacement cost
• Your occupation
• The level of coverage
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so repair costs tend to be lower which can decrease annual premiums. Conversely, newer vehicles may have safety features such as a backup camera, lane departure warning system, and traction control so those may give discounted rates.

Auto liability

2002 liability coverage can cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Coverage for collisions

This coverage covers damage to your caused by collision with an object or car. You have to pay a 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. It's also possible to raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.