Buying auto insurance online is simple to do and there is a good chance you will probably save money. The critical component is getting rates from all companies so you can get every possible rate.

Shopping online for auto insurance can be a challenge if you have never used quoting online. But don't be discouraged because there is an easy way to compare rates. Reducing your is not rocket science. All that's required is to spend a few minutes on the computer comparing rates online with multiple companies. This can be accomplished by completing this short form.

Insurance rates on a 2002 can be significantly different subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Better credit means lower rates
• Where you live
• The number of annual miles
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 2002
• No claims lowers premiums
• Having current coverage saves
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. New vehicles cost more so the payout to repair may end up costing you more. On the flip side, more recent vehicles may have options like forward-collision avoidance, tire pressure monitors, and autonomous braking that may help give discounted rates.

Liability coverage

2002 liability coverage will cover damage that occurs to people or other property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as large an amount as possible.

Collision coverage protection

Collision insurance will pay to fix damage to your resulting from a collision with another car or object. You first must pay a deductible 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 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.