Shopping for car insurance from online companies saves time, is easy to do, in addition you can save money. The key to finding lower rates is to compare rates from all companies in order to accurately compare every company's rates.

Comparing car insurance rates direct online can be complicated if you are a beginner to online rate quotes. But don't be discouraged because it's actually quite easy. There are several ways to get quotes from local car insurance companies. The simplest method to find the cheapest consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine insurance rates

Car insurance premiums on a 2002 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Where you reside can make a big difference
• The number of annual miles
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Your occupation
• Your coverage level
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so the cost to replace them may end up costing you less. On the flip side, more recent vehicles may have safety features like autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system so those may help offset higher rates.

Liability coverage

This will cover injuries or damage you cause to people or other property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as much as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2002 can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, 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

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. PIP coverage is only offered in select states and may carry a deductible.