Buying car insurance from online companies is simple to do and at the same time you may find lower rates. The critical component is to get as many rate quotes as possible so you can get the cheapest rate quotes.

Shopping online for car insurance is challenging if you have never used online quoting. But don't let that discourage you because we're going to show you how. The are a couple different ways to get quotes from car insurance companies in your area. The recommended way to find competitive is to get quotes online. It is quite easy and can be accomplished by completing this short form.

What influences ?

Insurance premiums for a 2002 can fluctuate considerably subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating impacts rates
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so repair costs tend to be lower which can decrease annual premiums. But more recent vehicles have more advanced features including lane departure warning system, dual-stage airbags, and pedestrian detection which may give discounted rates.

Liability coverage - 2002 liability coverage will cover damages or injuries you inflict on other people or property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your caused by collision with an object or car. A deductible applies 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. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.