You have many choices when insurance shopping for your vehicle. You can buy direct from an insurance agent or price shop online to compare rates from car insurance companies. Finding cheaper auto insurance from online rate quotes is simple to do, in addition you may find lower rates.

Finding the best direct price on auto insurance can be complicated if you have never used quoting online. Don't let that stop you because we're going to show you how. Cutting your doesn't have to be difficult. Drivers just need to take a couple of minutes to compare quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine your insurance rates

Insurance premiums for your 2002 can be significantly different subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Optional coverages like vehicle replacement
  • Whether or not you have claims
  • No coverage lapses saves money
  • Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older models so the payout to repair may end up costing you more. Conversely, more recent vehicles have more advanced features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system that may help lower rates.

Liability insurance - 2002 liability coverage will cover injuries or damage you cause to other's property or people that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision - This will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must 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 lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.