Comparing car insurance through online rate quotes can be fast and easy, in addition you may find lower rates. The most important part is to take the time to get rates from all companies so you can compare the best prices.

If you've never shopped for car insurance online, you may be confused by the hoards of companies selling insurance. The are a couple different ways to compare rate quotes from different insurance companies. One of the best ways to find the lowest involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Insurance premiums on a 2002 can vary widely depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating
• Male drivers pay higher rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your job
• The level of coverage
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a much lower replacement value compared to new models so the cost to replace them may result in lower rates. Conversely, new models have more advanced features such as autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights which can provide discounts that lower premiums.

Auto liability - This coverage provides protection from injuries or damage you cause to people or other property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy higher limits if possible.

Collision coverages - This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your 2002 can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive auto coverage - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage - This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance pay for bills like ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.