Buying car insurance by quoting online saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is getting rates from all providers so you can compare all possible prices.

Shopping online for car insurance can be a challenge if you are a beginner to quoting online. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes and find the best price. The easiest way by far to find the lowest is to get quotes online. This can be accomplished by visiting this page.

Auto insurance rates paid to insure a 2002 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Male drivers pay higher rates
• Higher deductibles save money
• Safety rating of your 2002
• What you do for a living
• Insurance coverage level
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the costs to repair may end up costing you less. Although new models may have a trim level with safety features included like automatic crash notification, blind-spot warning system, and an advanced theft deterrent system that may help provide discounts that lower premiums.

Liability coverages

This provides protection from damage that occurs to a person or their property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as large an amount as possible.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP coverage is not universally available but can be used in place of medical payments coverage.