Buying car insurance on the web is simple to do, plus you will probably save money. The critical component is getting rates from all providers in order to have every possible rate.

Shopping online for car insurance can be difficult if you have never used quoting online. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from different insurance companies. The best way to compare is to get quotes online. This can be done by comparing rates here.

Rates are impacted by these things

Insurance rates paid to insure a 2002 can be significantly different subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Better credit means lower rates
• Where you live
• Annual mileage can affect rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2002
• Your profession
• The level of coverage
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a lower value so the costs to repair can decrease annual premiums. Conversely, new models may have options such as a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system that may help lower rates.

Liability car insurance

2002 liability coverage provides protection from damage or injury you incur to a person or their property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so purchase as large an amount as possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive car insurance

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The highest amount your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.