Drivers have lots of options when shopping for car insurance for your vehicle. You can either buy through an agent or get quotes online to compare pricing from many different car insurance companies. Comparing car insurance through online rate quotes saves time, is easy to do, plus you can save money.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online quoting. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes from local car insurance companies. By far the easiest way to find the lowest involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by these factors

Car insurance premiums for your 2002 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Your age
• Being married can lower rates
• Add-on coverages such as rental reimbursement
• Your occupation
• Your coverage level
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so the payout to repair may end up costing you less. On the flip side, newer models may have safety features like adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which may provide discounts that lower premiums.

Auto liability

This protects you from damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as high a limit as you can afford.

Collision insurance

This coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Because many people 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 a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. PIP coverage is not available in all states but can be used in place of medical payments coverage.