Buying car insurance through online providers saves time, is easy to do, plus you can save money. The key to finding lower rates is to take the time to get rates from all companies so you can compare every possible rate.

Shopping online for car insurance can be difficult if you are a beginner to online quotes. But don't be discouraged because it's actually quite easy. There are several ways to get quotes from local car insurance companies. The best way to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by...

Car insurance premiums on a 2002 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Where you live
• The number of annual miles
• Men typically pay more than women
• Higher deductibles save money
• Crash test rating for your 2002
• Your occupation
• Your coverage level
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Older models have a lower value than newer models so the cost to replace them may end up costing you less. On the flip side, more recent vehicles may have safety features like autonomous braking, tire pressure monitors, and lane departure warning system which can provide discounts that lower premiums.

Liability auto insurance

This will cover damage or injury you incur to people or other property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy higher limits if possible.

Collision coverage protection

Collision insurance 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 then the remaining damage will be paid by your insurance company. Collision coverage for your 2002 can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states but can be used in place of medical payments coverage.