Comparing car insurance through online providers is easy, plus you will probably save money. The key is to take the time to get rates from all companies so you can get all your choices.

Beginners to buying insurance may think purchasing low-cost 2002 insurance is hard and time consuming. To find the best car insurance prices, there are several ways to get quotes and find the best price. The fastest way to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by...

Insurance rates on a 2002 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Your location impacts rates
• The number of annual miles
• Men typically pay more than women
• Low deductibles cost more
• Crash test rating for your 2002
• Your profession
• Insurance coverage level
• 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 will push premiums down. Although more recent vehicles may have options included like active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control which can give discounted rates.

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase higher limits if possible.

Auto collision coverage

This coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. 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 vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper .

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.