Buying car insurance from online rate quotes is simple to do, plus you can save money. The critical component is to take the time to get rates from all providers in order to have the cheapest rate quotes.

Shopping online for car insurance can be difficult if you have never used online quotes. But relax because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. The recommended way to compare is to get quotes online. This can be done by comparing rates here.

Rates are impacted by these things

Car insurance premiums paid to insure a 2002 can vary widely subject to many criteria. Including but not limited to:

  • Traffic citations increase rates
  • Credit rating
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your 2002
  • Your occupation
  • The amount of protection requested
  • 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 costs to repair can decrease annual premiums. But new models may have safety features including adaptive cruise control, anti-lock brakes, and active head restraints which can lower rates.

Liability insurance - 2002 liability coverage provides protection from damage or injury you incur to a person or their property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive protection - This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.