Drivers have lots of options when looking for the best insurance on your vehicle. You can buy from a local agent or shop online to check prices from lots of different providers. Shopping for auto insurance through online providers is easy, plus you might just save a little.

Consumers not familiar with buying insurance may think buying cut-rate 2002 insurance is hard and time consuming. Reducing your is surprisingly easy. All that's required is to spend a few minutes on the computer to get quotes from different insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by these factors

Auto insurance rates for your 2002 will vary greatly based upon several criteria. Including but not limited to:

• The performance level of your 2002
• Your accident history
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Your age
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Having continuous coverage saves you money
• Home ownership saves money

A final factor that will help determine is the model year. New vehicles have a higher replacement value in comparison to later models so repair costs are higher which will push premiums up. Although newer models may have a trim level with safety features included like autonomous braking, tire pressure monitors, and lane departure warning system so those may give discounted rates.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to other's property or people by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage protection

Collision coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Due to the fact that many 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 is important protection for you and your family.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.