Shopping for car insurance on the web is easy and there is a good chance you might just save a little. The key is to take the time to get rates from as many companies as possible in order to accurately compare every possible rate.

Consumers not familiar with shopping for insurance may think purchasing cut-rate 2002 insurance is not very easy. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The best way to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Auto insurance rates for your 2002 can vary widely based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating
• Where you reside can make a big difference
• High miles vs. low miles
• Men typically pay more than women
• The deductible you choose
• Safety rating of your 2002
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor that will help determine is the model year. Older cars and trucks cost less in comparison to older models so the payout to repair will push premiums down. Conversely, more recent vehicles may have a trim level with safety features such as a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which can help offset higher rates.

Liability car insurance

Liability insurance will cover damage that occurs to other's property or people by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverage protection

Collision coverage will pay to fix damage to your resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive car insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.