Drivers have lots of options when shopping for insurance coverage for your vehicle. You can get prices from your neighborhood insurance agent or price shop online to compare pricing from car insurance companies. Comparing car insurance from online rate quotes is simple to do, plus you will probably save money.

Using the web to shop for car insurance direct can be difficult if you have never used online quoting. But don't be discouraged because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The best method to find the lowest involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by these things

Insurance rates on a 2002 can fluctuate considerably subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your profession
• The amount of protection requested
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a lower value so the cost to replace them can decrease annual premiums. But new models may have options including a collision avoidance system, forward-collision avoidance, and active head restraints which may provide discounts that lower premiums.

Liability insurance - 2002 liability coverage provides protection from damage or injury you incur to people or other property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your 2002 can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive protection - This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.