Shopping for car insurance by comparing rates online can be fast and easy, in addition you can save money. The most important part is to compare as many rate quotes as possible so you can compare every option.

If shopping for car insurance online is new to you, you may be confused by the hoards of car insurance companies offering insurance. There are several ways to compare quotes from local car insurance companies. The quickest method to find the lowest consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine

Car insurance premiums for a 2002 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Where you reside can make a big difference
• How many miles you drive
• Your gender can raise or lower rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your occupation
• Your coverage level
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so repair costs tend to be lower which may result in lower rates. On the flip side, newer models may have safety features like dual-stage airbags, a rollover prevention system, and lane departure warning system so those may provide discounts that lower premiums.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other people or property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverage

Collision coverage pays for damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. 2002 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when other motorists do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.