Shopping for car insurance through 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 as many companies as possible so you can get the lowest rate quotes.

Comparing car insurance rates direct online can be a challenge if you have never used online quoting. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. By far the easiest way to find competitive consists of shopping online. This can be accomplished by completing this short form.

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

• Traffic citations increase rates
• Credit rating impacts rates
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2002
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor that will help determine is the model year. Older cars and trucks cost less in comparison to older models so the payout to repair can decrease annual premiums. Conversely, new models may have a trim level with safety features such as adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which may give discounted rates.

Auto liability

2002 liability coverage provides protection from damage that occurs to other's property or people by causing an accident. 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.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from 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's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are utilized in addition to your health insurance program or if you do not have health coverage. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.