Shopping for car insurance through online providers can be fast and easy and at the same time you may find lower rates. The most important part is getting as many rate quotes as possible so you can get all your choices.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of car insurance companies selling insurance. The are a couple different ways to compare rate quotes from car insurance companies in your area. The fastest way to find competitive consists of shopping online. It is quite easy and can be accomplished by completing this short form.

Which factors influence car insurance premiums?

Insurance premiums for a 2002 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Where you reside can make a big difference
• How many miles you drive
• Male drivers pay higher rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new models so repair costs tend to be lower which may result in lower rates. But new models have more advanced features including active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control that may help give discounted rates.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as large an amount as possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible 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. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.