You have lots of choices when insurance shopping for your vehicle. You can buy from an insurance agent or get quotes online to compare pricing from multiple insurance companies. Finding cheaper car insurance on the web saves time, is easy to do and at the same time you may find lower rates.

Finding the best direct price on car insurance is challenging if you are a beginner to online quotes. But relax because we're going to show you how. The are a couple different ways to get quotes from car insurance companies in your area. The easiest way to find the lowest is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

What factors determine your insurance rates?

Insurance premiums paid to insure a 2002 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home/auto policy bundles save money
• How you use your vehicle
• Young drivers cost more
• Being married can lower rates
• Special coverage such as replacement cost
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the costs to repair may end up costing you less. But more recent vehicles have more advanced features including pedestrian detection, active head restraints, and a backup camera which can provide discounts that lower premiums.

Liability car insurance - This will cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Collision - This will pay to fix damage to your from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive car insurance - This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM Coverage - This gives you protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.