Finding cheaper car insurance on the web can be fast and easy and at the same time you might just save a little. The most important part is to compare rates from all providers in order to accurately compare the lowest rate quotes.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. By far 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.

Which factors influence the rate you pay?

Auto insurance rates paid to insure a 2002 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the costs to repair may result in lower rates. But newer vehicles may have a trim level with safety features including a telematics system, blind-spot warning system, and sideview assist mirrors so those may help offset higher rates.

Liability car insurance

This coverage can cover damages or injuries you inflict on a person or their property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision insurance

This covers damage to your from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive car insurance

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and may carry a deductible.