Comparing car insurance through online companies saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to get rates from all providers in order to have the best prices.

Using the web to shop for car insurance direct is challenging if you are a beginner to online quoting. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from local car insurance companies. One of the best ways to compare involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors determine ?

Insurance rates paid to insure a 2002 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your profession
• Your coverage level
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so the costs to repair may end up costing you less. On the flip side, more recent vehicles may have options like anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which may lower rates.

Coverage for liability - This will cover damages or injuries you inflict on a person or their property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverages - This coverage will pay to fix damage to your from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper .

Comprehensive coverage (or Other than Collision) - This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.