Drivers have lots of options when buying insurance for your vehicle. You can get prices from an insurance agent or get quotes online to compare rates from many different companies. Comparing car insurance from online companies saves time, is easy to do, plus you may find lower rates.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways of comparing rates from different insurance companies. The recommended way to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by the following

Insurance premiums for your 2002 can vary widely and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the payout to repair may end up costing you less. Conversely, newer vehicles have more advanced features such as lane departure warning system, dual-stage airbags, and pedestrian detection which can lower rates.

Liability coverage - This can cover damage or injury you incur to other's property or people. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy higher limits if possible.

Collision coverage - This coverage covers damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible 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 lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverage - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.