Finding cheaper car insurance on the web is easy and at the same time you may find lower rates. The key is to take the time to get rates from all companies in order to accurately compare the lowest prices.

Consumers who are new to the process of comparison shopping may think purchasing low-cost 2002 insurance is not very easy. The are a couple different ways to get quotes from car insurance companies in your area. The easiest way to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact your insurance rates?

Insurance premiums 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
• The deductible you choose
• Your vehicle's safety rating
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the cost to replace them will push premiums down. But more recent vehicles have more advanced features including pedestrian detection, active head restraints, and a backup camera which can help offset higher rates.

Liability car insurance - Liability insurance will cover damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy higher limits if possible.

Collision - This 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 lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive car insurance - This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - This provides protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers 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 should not be overlooked.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.