Finding cheaper car insurance on the web can be fast and easy and at the same time you can save money. The most important part is to get rates from as many companies as possible in order to have all possible prices.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online car insurance companies and websites offering insurance. There are several ways to get quotes from different insurance companies. The easiest way by far to compare is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

Which factors influence ?

Car insurance premiums for your 2002 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your occupation
• The level of coverage
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the payout to repair may result in lower rates. Conversely, more recent vehicles may have safety features such as adaptive cruise control, sideview assist mirrors, dual-stage airbags, and a telematics system which may lower rates.

Liability car insurance

This coverage will cover damages or injuries you inflict on other's property or people that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision protection

This will pay to fix damage to your resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.