You have lots of choices when buying insurance for your vehicle. You can buy direct from an insurance agent or price shop online to check prices from a lot of car insurance companies. Comparing car insurance through online companies is simple to do and at the same time you may find lower rates.

Using the web to shop for car insurance direct is challenging if you have never used quoting online. But relax because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. The recommended way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What influences car insurance premiums?

Insurance premiums paid to insure a 2002 can be significantly different subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• How many accidents you have had
• Home and auto can earn discounts
• How you use your vehicle
• Young drivers cost more
• Having a spouse can save money
• Special coverage such as replacement cost
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new models so the costs to repair can decrease annual premiums. Conversely, more recent vehicles have more advanced features such as adaptive cruise control, pedestrian detection, and lane departure warning system that may help give discounted rates.

Coverage for liability - 2002 liability coverage will cover damages or injuries you inflict on a person or their property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverage - This coverage will pay to fix damage to your from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.