Finding cheaper car insurance by getting online quotes saves time, is easy to do, in addition you can save money. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to have the lowest rate quotes.

Finding the best direct price on car insurance can be complicated if you are a beginner to online quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes and find the best price. By far the easiest way to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine

Car insurance premiums for a 2002 can vary widely and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your occupation
• Insurance coverage level
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so repair costs tend to be lower which may end up costing you less. Although newer models may have safety features included like adaptive headlights, blind-spot warning system, and a rollover prevention system which can lower rates.

Liability

This protects you from injuries or damage you cause to other people or property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy higher limits if possible.

Collision insurance

This pays for damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2002 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Med pay and PIP coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP coverage is not available in all states and gives slightly broader coverage than med pay.