Comparing car insurance by quoting online is simple to do and at the same time you can save money. The critical component is to get rates from all companies in order to accurately compare every company's rates.

Using the web to shop for car insurance direct is challenging if you have never used online quoting. But don't be discouraged because it's actually quite easy. There are several ways to get quotes from different insurance companies. The simplest method to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What influences ?

Car insurance premiums on a 2002 can fluctuate considerably subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating impacts rates
• Your location impacts rates
• The number of annual miles
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Your occupation
• The level of coverage
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the cost to replace them can decrease annual premiums. Conversely, more recent vehicles may have safety features such as tire pressure monitors, a telematics system, autonomous braking, and adaptive headlights which may help offset higher rates.

Liability coverages

2002 liability coverage will cover damages or injuries you inflict on people or other property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your 2002 can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.