Buying auto insurance through online rate quotes can be fast and easy and there is a good chance you may find lower rates. The most important part is to take the time to get rates from as many companies as possible so you can compare every company's rates.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites selling insurance. Getting lower can be surprisingly simple. The only thing you need to do is invest a little time to compare quotes provided by online insurance companies. This can be accomplished by visiting this page.

Insurance premiums for your 2002 can vary widely depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating
• Where you live
• High miles vs. low miles
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 2002
• Whether or not you have claims
• No coverage lapses saves money
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older models so the cost to replace them can inflate annual premiums. Conversely, newer vehicles have more advanced features such as a backup camera, lane departure warning system, and traction control which can provide discounts that lower premiums.

Auto liability

This coverage can cover damage that occurs to other's property or people in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.