Drivers have lots of options when comparing insurance rates on your vehicle. You can either contact an agent or get quotes online to check prices from multiple insurance companies. Finding cheaper auto insurance on the web saves time, is easy to do, plus you can save money.

Finding the best direct price on auto insurance can be difficult if you are a beginner to online quotes. But don't be discouraged because it's actually quite easy. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by...

Car insurance premiums on a 2002 can vary widely and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so the costs to repair can inflate annual premiums. Conversely, more recent vehicles may have safety features such as a telematics system, lane departure warning system, and tire pressure monitors which can give discounted rates.

Liability car insurance - This will cover damage or injury you incur to people or other property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy higher limits if possible.

Collision coverages - This will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2002 can be pricey, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive auto insurance - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.