Drivers have lots of options when shopping for insurance coverage for your vehicle. You can buy direct from an agent or shop online to compare pricing from companies. Finding cheaper car insurance by quoting online is easy, plus you can save money.

Consumers who are new to the process of buying insurance may think shopping for cut-rate 2002 insurance is hard. There are several ways to get quotes from car insurance companies in your area. The best method to find the lowest is to perform an online rate comparison. This can be done by visiting this page.

Premiums are calculated by...

Car insurance premiums for your 2002 can be significantly different based upon several criteria. Including but not limited to:

• The performance level of your 2002
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so the payout to repair will push premiums down. But more recent vehicles may have safety features including pedestrian detection, automatic crash notification, and tire pressure monitors that may help provide discounts that lower premiums.

Liability coverages - Liability insurance will cover damage or injury you incur to other's property or people that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage - This will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You first must 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 older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.