You have lots of choices when comparing insurance rates on your vehicle. You can buy direct from an insurance agent or go online to compare pricing from companies. Comparing car insurance by quoting online can be fast and easy and at the same time you may find lower rates.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of companies selling insurance. The are a couple different ways of comparing rates from different insurance companies. One of the best ways to find the lowest involves getting comparison quotes online. It is quite easy and can be accomplished by visiting this page.

Which factors influence your insurance rates?

Insurance premiums on a 2002 can vary widely depending on several factors. Taken into consideration are:

• Higher performance 2002 vehicles cost more
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• 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 cost to replace them may result in lower rates. Conversely, newer vehicles have more advanced features such as blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which can provide discounts that lower premiums.

Liability coverages - This coverage can cover damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverages - This coverage covers damage to your resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 2002 can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverages - This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical payments - Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.