You have lots of choices when looking for the best insurance on your vehicle. You can get prices from an agent or get quotes online to compare insurance costs of multiple insurance companies. Shopping for auto insurance on the web saves time, is easy to do and at the same time you can save money.

Comparing auto insurance rates direct online is challenging if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer getting comparison quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

What factors determine car insurance premiums?

Car insurance premiums on a 2002 can be significantly different and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Young drivers cost more
• Being married may save money
• Special coverage such as replacement cost
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so the costs to repair may end up costing you more. Conversely, more recent vehicles may have safety features such as a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system that may help help offset higher rates.

Liability car insurance

This will cover damages or injuries you inflict on people or other property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your resulting from a collision with an object or car. You first must 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 bring the cost down.

Comprehensive auto insurance

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim 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.

Coverage for uninsured or underinsured drivers

This 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, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states and may carry a deductible.