Comparing car insurance online saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to take the time to get rates from all providers in order to accurately compare the best prices.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online quotes. But relax because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. One of the best ways to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Car insurance premiums paid to insure a 2002 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Men typically pay more than women
• The deductible you choose
• Safety rating of your 2002
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Used vehicles cost less than newer models so the costs to repair may end up costing you less. But more recent vehicles may have safety features including dual-stage airbags, tire pressure monitors, and blind-spot warning system which can help offset higher rates.

Liability coverage - This will cover damage that occurs to a person or their property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy higher limits if possible.

Collision coverages - This coverage will pay to fix damage to your from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage - This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a 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.

Uninsured and underinsured coverage - Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.