Buying auto insurance through online rate quotes can be fast and easy and there is a good chance you might just save a little. The most important part is getting rates from as many companies as possible so you can compare every company's rates.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Getting lower can be surprisingly simple. The only thing you need to do is invest a little time to get quotes provided by online insurance companies. This can be accomplished by visiting this page.

Auto insurance rates for your 2002 can be significantly different depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Better credit means lower rates
• Where you live
• High miles vs. low miles
• Male drivers pay higher rates
• Higher deductibles save money
• Safety rating of your 2002
• Claims drive up premiums
• Having current coverage saves
• Whether you own your home

A final factor that helps determine is the model year. A newer vehicle cost more in comparison to later models so the cost to replace them may end up costing you more. On the flip side, new models may have a trim level with safety features like a backup camera, lane departure warning system, and traction control that may help provide discounts that lower premiums.

Auto liability

This coverage provides protection from damage that occurs to other's property or people in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount 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.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.