There are many options when trying to insure your vehicle. You can either contact an insurance agent or shop online to compare rates from many different companies. Comparing car insurance from online companies is easy and there is a good chance you may find lower rates.

Beginners to shopping for insurance may think purchasing low-cost 2002 insurance can be quite difficult. The are a couple different ways to get quotes from local car insurance companies. The quickest method to compare involves getting comparison quotes online. This can be accomplished by comparing rates here.

Insurance premiums on a 2002 can vary widely based upon several criteria. Some of these factors include:

• The performance level of your 2002
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Your job
• Your coverage level
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so the cost to replace them will push premiums down. On the flip side, more recent vehicles have more advanced features like lane departure warning system, dual-stage airbags, and sideview assist mirrors which can lower rates.

Liability coverage

Liability insurance will cover damage that occurs to people or other property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy higher limits if possible.

Collision coverage

This coverage will pay to fix damage to your resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2002 can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP is only offered in select states and gives slightly broader coverage than med pay.