You have many choices when attempting to insure your vehicle. You can get prices from a local agent or price shop online to compare rates from many different car insurance companies. Shopping for car insurance through online rate quotes is simple to do, in addition you might just save a little.

Comparing car insurance rates direct online can be complicated if you have never used quoting online. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The fastest way to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 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
• Whether you insure your home with the same company
• How you use your vehicle
• Young drivers cost more
• Whether you are married
• Optional coverages like vehicle replacement
• What you do for a living
• The level of coverage
• Owning a home can lower rates

A final factor that will help determine is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so the costs to repair can decrease annual premiums. Conversely, more recent vehicles may have a trim level with safety features such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights that may help lower rates.

Auto liability

2002 liability coverage will cover injuries or damage you cause to a person or their property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Auto collision coverage

Collision coverage will pay to fix damage to your 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. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car 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 (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to cover expenses not covered by 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.