You have lots of choices when buying insurance for your vehicle. You can either buy through a local agent or go online to check prices from companies. Comparing car insurance by quoting online can be fast and easy and at the same time you might just save a little.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. The recommended way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

Which factors influence the rate you pay?

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

• Higher performance 2002 vehicles cost more
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• What you do for a living
• Your coverage level
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so the cost to replace them may result in lower rates. On the flip side, more recent vehicles may have a trim level with safety features like tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control so those may give discounted rates.

Liability coverages - This coverage will cover damages or injuries you inflict on people or other property. 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 coverage - This coverage will pay to fix damage to your resulting from a collision with an object or car. You have to pay a deductible 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 older. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverages - This coverage pays to fix your vehicle from 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 the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.