Shopping for car insurance through online rate quotes can be fast and easy and at the same time you will probably save money. The most important part is to get rates from all providers so you can compare the lowest prices.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to compare quotes from local car insurance companies. The easiest way to find the lowest consists of shopping online. It is quite easy and can be accomplished by visiting this page.

Which factors influence ?

Insurance rates paid to insure a 2002 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your gender can raise or lower rates
• Higher deductibles save money
• Your vehicle's safety rating
• Your profession
• Your coverage level
• Whether you rent or own your home

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 reduced actual cash value so the costs to repair may result in lower rates. On the flip side, newer models may have options like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags which may provide discounts that lower premiums.

Auto liability - This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision - Collision coverage pays for damage to your from colliding with an object or car. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper .

Comprehensive auto coverage - This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - This gives you protection when other motorists do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage - Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.