Comparing auto insurance on the web is simple to do and at the same time you will probably save money. The critical component is to get as many rate quotes as possible so you can get every possible rate.

Using the web to shop for auto insurance direct is challenging if you have never used online quoting. But don't let that discourage you because there is an easy way to compare rates. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer comparing rates online with multiple companies. This can be done by completing this short form.

What influences ?

Insurance rates for a 2002 can fluctuate considerably subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating impacts rates
• Your location impacts rates
• How many miles you drive
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. New vehicles have a higher value so the payout to repair may result in higher rates. But newer models may have options including a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which may give discounted rates.

Liability car insurance

2002 liability coverage protects you from damages or injuries you inflict on other people or property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision coverage protection

This coverage pays for damage to your caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage. 2002 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.