Finding cheaper auto insurance online can be fast and easy and there is a good chance you will probably save money. The most important part is to get rates from all providers so you can compare all possible prices.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online companies competing for your business. Finding cheaper coverage prices is not rocket science. All you need to do is take the time comparing rates provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Insurance rates paid to insure a 2002 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Male drivers pay higher rates
• Higher deductibles save money
• Safety rating of your 2002
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. A newer vehicle have a higher actual cash value so the cost to replace them may result in higher rates. But new models may have options including forward-collision avoidance, sideview assist mirrors, and all-wheel drive which may provide discounts that lower premiums.

Liability coverage

This coverage provides protection from damage that occurs to a person or their property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision protection

This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.