You have many choices when comparing insurance rates on your vehicle. You can buy direct from an insurance agent or price shop online to compare pricing from a lot of car insurance companies. Comparing car insurance through online companies is simple to do, in addition you may find lower rates.

Using the web to shop for car insurance direct can be complicated if you have never used online rate quotes. But relax because we're going to show you how. The are a couple different ways to compare rate quotes from local car 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 car insurance premiums

Insurance premiums paid to insure a 2002 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• How you use your vehicle
• Mature drivers pay less
• Being married can lower rates
• Optional coverages like vehicle replacement
• Your job
• Your coverage level
• 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 costs to repair can decrease annual premiums. On the flip side, new models have more advanced features like anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera so those may provide discounts that lower premiums.

Coverage for liability - 2002 liability coverage provides protection from injuries or damage you cause to a person or their property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverages - This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive coverage (or Other than Collision) - This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage - This coverage gives you protection when other motorists either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.