Comparing car insurance on the web saves time, is easy to do, plus you can save money. The key to finding lower rates is to get rates from all providers in order to have every company's rates.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online quoting. But relax because it's actually quite easy. There are several ways to get quotes from local car insurance companies. The simplest method to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by...

Car insurance premiums paid to insure a 2002 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating impacts rates
• Your location impacts rates
• Annual mileage can affect rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 2002
• Your occupation
• Your coverage level
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so the costs to repair may end up costing you less. On the flip side, more recent vehicles may have safety features like lane departure warning system, a telematics system, and a collision avoidance system which may lower rates.

Liability car insurance

This will cover damage or injury you incur to a person or their property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as high a limit as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. 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 car insurance

This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The most your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.