Buying car insurance through online rate quotes can be fast and easy, plus you can save money. The most important part is to get rates from all providers in order to accurately compare all possible prices.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of online companies offering insurance. There are several ways to get quotes from car insurance companies in your area. The easiest way by far to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by...

Car insurance premiums paid to insure a 2002 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2002
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Older models have a lower value than newer models so the costs to repair may result in lower rates. But more recent vehicles may have safety features including lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which may help offset higher rates.

Auto liability

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

Collision protection

Collision insurance will pay to fix damage to your from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and may carry a deductible.