Finding cheaper car insurance by quoting online is simple to do and at the same time you may find lower rates. The critical component is getting as many rate quotes as possible so you can compare the best prices.

Finding the best direct price on car insurance is challenging if you have never used quoting online. But don't let that discourage you because we're going to show you how. The are a couple different ways of comparing rates from local car insurance companies. One of the best ways to find the lowest is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

What influences car insurance premiums?

Insurance premiums for a 2002 can be significantly different subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Better credit means lower rates
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• Your job
• Your coverage level
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so repair costs tend to be lower which can decrease annual premiums. On the flip side, newer vehicles have more advanced features like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection that may help provide discounts that lower premiums.

Liability coverages - 2002 liability coverage can cover damages or injuries you inflict on other people or property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverages - This covers damage to your caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage. 2002 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive coverages - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This gives you protection when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments - Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.