Comparing car insurance through online companies is easy and at the same time you might just save a little. The key is to compare as many rate quotes as possible so you can get every possible rate.

Beginners to comparison shopping may think buying cheap 2002 insurance is difficult. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The best way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors impact the rate you pay?

Auto insurance rates for a 2002 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Your location impacts rates
• How many miles you drive
• Male rates may be higher
• Low deductibles cost more
• Your vehicle's safety rating
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so repair costs tend to be lower which will push premiums down. Although newer vehicles may have a trim level with safety features included like a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control so those may give discounted rates.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage protection

This coverage covers damage to your caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. 2002 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Because many people 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 is a good idea.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.