Shopping for car insurance through online companies can be fast and easy, in addition you will probably save money. The most important part is to get rates from all companies in order to accurately compare all possible prices.

If shopping for car insurance online is new to you, you may be confused by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The easiest way by far to find the cheapest consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine insurance rates

Insurance rates on 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
• Male rates may be higher
• The deductible you choose
• NTSB crash rating for your vehicle
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a much lower replacement value so the cost to replace them may result in lower rates. But newer vehicles may have options including active head restraints, traction control, and a rollover prevention system which may help offset higher rates.

Coverage for liability

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

Collision protection

Collision coverage covers damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. Collision coverage for your 2002 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most a car insurance company will pay at claim time 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 or underinsured coverage

This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for things like ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and may carry a deductible.