Buying auto insurance from online rate quotes is simple to do and there is a good chance you can save money. The critical component is to compare rates from all companies so you can compare every company's rates.

Shopping online for auto insurance can be a challenge if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. Getting lower doesn't have to be difficult. The only thing you need to do is invest a little time getting comparison quotes online with multiple companies. This can be accomplished by visiting this page.

Car insurance premiums on a 2002 will vary greatly subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Your credit history
• Where you live
• The number of annual miles
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 2002
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. A newer vehicle cost more than older models so the payout to repair will push premiums up. On the flip side, more recent vehicles may have safety features like tire pressure monitors, anti-lock brakes, and forward-collision avoidance so those may provide discounts that lower premiums.

Liability insurance

2002 liability coverage will cover damage that occurs to people or other property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2002 can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive protection

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don't have enough coverage. Since many drivers 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 very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.