Shopping for car insurance through online companies is easy and at the same time you will probably save money. The key is to take the time to get rates from all companies so you can get all possible prices.

Consumers not familiar with comparison shopping may think purchasing low-cost 2002 insurance is difficult. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The easiest way by far to find competitive consists of shopping online. It is quite easy and can be accomplished by completing this short form.

What factors impact your insurance rates?

Insurance rates on a 2002 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• Your profession
• The amount of protection requested
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a reduced actual cash value so the cost to replace them will push premiums down. But more recent vehicles may have options including active head restraints, traction control, and a rollover prevention system which can give discounted rates.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2002 can be pricey, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.