Drivers have lots of options when attempting to insure your vehicle. You can either buy through an insurance agent or shop online to compare pricing from lots of different providers. Buying auto insurance through online providers is easy, plus you may find lower rates.

People who are new to buying insurance may think buying cut-rate 2002 insurance is hard and time consuming. Getting cheaper insurance rates is surprisingly easy. The only requirement is to invest a few minutes to compare quotes from different insurance companies. This can be accomplished by visiting this page.

Rates are impacted by these things

Insurance premiums for your 2002 will vary greatly based upon several criteria. Including but not limited to:

• The performance level of your 2002
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Being married can lower rates
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• No coverage lapses saves money
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older models so repair costs are higher which will push premiums up. Conversely, new models have more advanced features such as active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control so those may provide discounts that lower premiums.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other's property or people in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as much as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP is not universally available but can be used in place of medical payments coverage.