You have many choices when trying to insure your vehicle. You can buy direct from an agent or price shop online to check prices from a lot of car insurance companies. Finding cheaper car insurance through online companies is simple to do, in addition you can save money.

Finding the best direct price on car insurance can be complicated 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 to compare quotes from car insurance companies in your area. The quickest method to find competitive is to perform an online rate comparison. This is very easy and can be done by completing this short form.

Criteria which help determine

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

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Your age
• Having a spouse can save money
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so repair costs tend to be lower which can decrease annual premiums. But newer models may have safety features including a telematics system, adaptive cruise control, and traction control so those may give discounted rates.

Coverage for liability

2002 liability coverage protects you from injuries or damage you cause to other people or property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage

This pays for damage to your caused by collision with another vehicle or an object, but not an animal. 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 save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from 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 amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.