Shopping for car insurance through online providers is easy and at the same time you will probably save money. The key is getting rates from all companies so you can compare every possible rate.

Consumers not familiar with comparison shopping may think shopping for low-cost 2002 insurance is hard and time consuming. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The best way to find the lowest consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors impact car insurance premiums?

Insurance rates on a 2002 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Where you reside can make a big difference
• The number of annual miles
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• Your profession
• The amount of protection requested
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a reduced actual cash value so the cost to replace them will push premiums down. But newer vehicles may have options including autonomous braking, tire pressure monitors, and lane departure warning system that may help provide discounts that lower premiums.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision coverage protection

Collision coverage covers damage to your resulting from a collision with an object or car. You first must pay a 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. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not an option in every state but can be used in place of medical payments coverage.