Shopping for auto insurance by quoting online is simple to do, in addition you can save money. The critical component is to take the time to get rates from as many companies as possible so you can compare all your choices.

Comparing auto insurance rates direct online can be complicated if you have never used online quotes. Don't let that stop you because it's actually quite easy. Getting cheaper insurance rates is a fairly straight forward process. The only requirement is to invest a few minutes getting comparison quotes online with multiple companies. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Car insurance premiums for your 2002 can vary widely subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Credit rating
• Where you reside can make a big difference
• High miles vs. low miles
• Your gender can raise or lower rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. A newer vehicle have a higher replacement value than older models so the payout to repair can inflate annual premiums. But newer models may have safety features including adaptive headlights, anti-lock brakes, traction control, and a telematics system which can provide discounts that lower premiums.

Liability coverages

2002 liability coverage protects you from injuries or damage you cause to other's property or people by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible 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 older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.