You have lots of choices when comparing insurance rates on your vehicle. You can buy direct from an agent or get quotes online to compare rates from companies. Shopping for car insurance by quoting online saves time, is easy to do and at the same time you can save money.

Comparing car insurance rates direct online is challenging if you are a beginner to online quoting. But relax because it's actually quite easy. There are several ways to compare rate quotes from local car insurance companies. One of the best ways to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

What factors determine ?

Car insurance premiums paid to insure a 2002 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• How you use your vehicle
• Special coverage such as replacement cost
• Your occupation
• Your coverage level
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so the costs to repair may end up costing you less. On the flip side, new models may have safety features like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which may lower rates.

Liability coverages - This provides protection from damages or injuries you inflict on a person or their property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverages - Collision coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive coverages - This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP coverage is not universally available and gives slightly broader coverage than med pay.