Shopping for car insurance online saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to compare as many rate quotes as possible so you can compare the lowest prices.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online rate quotes. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The easiest way to find the lowest consists of shopping online. This can be accomplished by visiting this page.

Auto insurance rates for a 2002 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• Your gender can raise or lower rates
• Higher deductibles save money
• Safety rating of your 2002
• What you do for a living
• Your coverage level
• 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 repair costs tend to be lower which may end up costing you less. On the flip side, newer models may have a trim level with safety features like a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection so those may provide discounts that lower premiums.

Liability coverage - This protects you from damage that occurs to other people or property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as much as you can afford.

Collision - Collision coverage pays for damage to your caused by collision with another car or object. You have to pay a 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 vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive coverage - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP coverage is not available in all states but can be used in place of medical payments coverage.