Buying auto insurance by quoting online is simple to do and at the same time you may find lower rates. The critical component is to compare as many rate quotes as possible so you can compare the lowest prices.

Shopping online for auto insurance is challenging if you have never used online rate quotes. But don't let that discourage you because we're going to show you how. Cutting your is a fairly straight forward process. Drivers just need to take a couple of minutes to compare quotes online with multiple companies. This can be accomplished by visiting this page.

What influences the rate you pay?

Insurance premiums for a 2002 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older models so the payout to repair will push premiums up. But newer vehicles have more advanced features including all-wheel drive, a rollover prevention system, and adaptive headlights so those may provide discounts that lower premiums.

Liability coverages - 2002 liability coverage can cover damages or injuries you inflict on other people or property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision - Collision insurance covers damage to your caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 2002 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments - Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.