Buying car insurance on the web can be fast and easy, in addition you may find lower rates. The most important part is to get as many rate quotes as possible in order to have every option.

If you're new to shopping for car insurance online, you may be confused by the hoards of car insurance companies selling insurance. The are a couple different ways to compare quotes from local car insurance companies. The quickest method to compare is to get quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance premiums for a 2002 can fluctuate considerably depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Where you live
• How many miles you drive
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your job
• Your coverage level
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new models so repair costs tend to be lower which may result in lower rates. On the flip side, newer models have more advanced features like adaptive cruise control, sideview assist mirrors, and tire pressure monitors which may lower rates.

Liability car insurance

This coverage protects you from injuries or damage you cause to other people or property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverage

Collision insurance pays for damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. 2002 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive car insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses

Med pay and PIP coverage pay for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.