Drivers have lots of options when shopping for insurance coverage for your vehicle. You can buy direct from an insurance agent or price shop online to check prices from companies. Comparing car insurance by quoting online is simple to do, plus you may find lower rates.

Using the web to shop for car insurance direct can be difficult if you have never used quoting online. Don't let that stop you because we're going to show you how. The are a couple different ways of comparing rates from different insurance companies. The best method to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by the following

Insurance premiums for your 2002 can be significantly different subject to many criteria. Including but not limited to:

• More performance equals higher cost
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the payout to repair can decrease annual premiums. Conversely, newer vehicles have more advanced features such as pedestrian detection, automatic crash notification, and tire pressure monitors that may help give discounted rates.

Liability coverages - 2002 liability coverage can cover damage or injury you incur to other's property or people. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverage - This coverage covers damage to your resulting from colliding with a stationary object or other vehicle. 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. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverages - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for medical payments - Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.