Drivers have lots of options when buying insurance for your vehicle. You can either buy through an agent or get quotes online to check prices from multiple companies. Comparing auto insurance online saves time, is easy to do, plus you can save money.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to quoting online. But relax because it's actually quite easy. Finding lower is not rocket science. You just have to spend a little time getting comparison quotes online from several insurance companies. This can be done by completing this short form.

Rates are determined by these factors

Car insurance premiums paid to insure a 2002 can be significantly different and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• How many accidents you have had
• Home and auto can earn discounts
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• Your claim history
• Having continuous coverage saves you money
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so the costs to repair may end up costing you more. Although newer models may have safety features included like adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes that may help give discounted rates.

Liability coverage - This protects you from damage or injury you incur to a person or their property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage - This coverage pays for damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive coverage - This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Med pay and PIP coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.