Shopping for car insurance through online rate quotes can be fast and easy and at the same time you might just save a little. The most important part is getting rates from all providers in order to accurately compare the lowest rate quotes.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. By far the easiest way to find the cheapest consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence car insurance premiums?

Auto insurance rates paid to insure a 2002 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the costs to repair may result in lower rates. But newer vehicles may have a trim level with safety features including adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance that may help help offset higher rates.

Auto liability

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision insurance

Collision coverage covers damage to your from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and may carry a deductible.