Shopping for auto insurance through online companies can be fast and easy, plus you might just save a little. The most important part is to take the time to get rates from all providers in order to have the lowest rate quotes.

If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of online companies vying for your business. Lowering your is not a difficult process. You just need to take a few minutes to get quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Car insurance rates influenced by...

Auto insurance rates paid to insure a 2002 can vary widely depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 2002
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the cost to replace them can inflate annual premiums. On the flip side, more recent vehicles may have a trim level with safety features like a telematics system, a collision avoidance system, tire pressure monitors, and traction control which can lower rates.

Coverage for liability

This coverage will cover damage or injury you incur to a person or their property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision insurance

Collision coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.