Comparing auto insurance by quoting online saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is getting rates from all companies in order to accurately compare the cheapest rate quotes.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to quoting online. But don't be discouraged because we're going to show you how. Finding lower is a fairly straight forward process. You just have to spend a little time to compare quotes online from several insurance companies. This can be done by getting a quick quote here.

Insurance premiums on a 2002 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Your gender can raise or lower rates
• The deductible you choose
• Safety rating of your 2002
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so the costs to repair may end up costing you more. But newer models have more advanced features including tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control that may help help offset higher rates.

Liability coverages - This protects you from damage that occurs to people or other property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as large an amount as possible.

Collision coverage - This coverage pays for damage to your resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2002 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverages - This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments - Med pay and PIP coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.