Comparing auto insurance from online rate quotes is simple to do and there is a good chance you might just save a little. The critical component is to get rates from all companies so you can compare all your choices.

Using the web to shop for auto insurance direct can be a challenge if you have never used online quoting. But don't be discouraged because comparing prices is actually very simple. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes to get quotes online with multiple companies. This can be done by visiting this page.

Auto insurance rates on a 2002 can fluctuate considerably subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating impacts rates
• Your location impacts rates
• The number of annual miles
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 2002
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the payout to repair may result in higher rates. Although newer vehicles may have a trim level with safety features included like forward-collision avoidance, adaptive cruise control, and lane departure warning system which may provide discounts that lower premiums.

Liability insurance

2002 liability coverage can cover damage that occurs to people or other property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Auto collision coverage

This coverage covers damage to your resulting from a collision with another car or object. A deductible applies 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 vehicles that are older. Another option is to bump up the deductible in order 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 the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.