Shopping for auto insurance from online rate quotes is simple to do and there is a good chance you can save money. The critical component is to get rates from all companies so you can get the cheapest rate quotes.

Comparing auto insurance rates direct online can be a challenge if you have never used online quoting. But don't be discouraged because it's actually quite easy. Finding lower doesn't have to be difficult. You just have to spend a little time getting comparison quotes online with multiple companies. This is very easy and can be done by completing this short form.

Car insurance premiums on a 2002 can fluctuate considerably subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating impacts rates
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 2002
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so the payout to repair may result in higher rates. On the flip side, newer models may have safety features like adaptive cruise control, anti-lock brakes, and active head restraints which may give discounted rates.

Liability insurance - 2002 liability coverage protects you from damage that occurs to people or other property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision coverage - Collision coverage pays for damage to your resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your 2002 can be pricey, so consider removing coverage from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive protection - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The most you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense coverage - Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.