Comparing car insurance by quoting online is simple to do, plus you might just save a little. The critical component is to get rates from all companies so you can get the cheapest rate quotes.

Using the web to shop for car insurance direct can be difficult if you have never used online quoting. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The recommended way to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by these factors

Auto insurance rates on a 2002 can fluctuate considerably subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Credit rating impacts rates
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2002
• What you do for a living
• Your coverage level
• Home ownership saves money

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

Liability coverages - 2002 liability coverage protects you from damage or injury you incur to people or other property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision coverage - This coverage pays for damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your 2002 can be pricey, so consider removing coverage 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 from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

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

Coverage for medical payments - Med pay and PIP coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.