There are many options when buying insurance for your vehicle. You can either buy through your neighborhood insurance agent or price shop online to check prices from many different companies. Finding cheaper car insurance from online companies is simple to do and there is a good chance you will probably save money.

Finding the best direct price on car insurance can be a challenge if you have never used online rate quotes. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes and find the best price. The recommended way to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Insurance rates for a 2002 will vary greatly subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Extra coverages like towing and rental
• Your profession
• Insurance coverage level
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old cost less so repair costs tend to be lower which can decrease annual premiums. Although newer models may have options included like lane departure warning system, dual-stage airbags, and pedestrian detection so those may give discounted rates.

Liability coverage - 2002 liability coverage protects you from damage that occurs to other people or property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision coverage - This pays for damage to your caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 2002 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP - Med pay and PIP coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.