Shopping for auto insurance through online providers is simple to do and there is a good chance you might just save a little. The critical component is to compare rates from all companies in order to have the cheapest rate quotes.

Comparing auto insurance rates direct online can be a challenge if you have never used online rate quotes. But don't be discouraged because comparing prices is actually very simple. Finding lower is surprisingly easy. You just have to spend a little time to get quotes online with multiple companies. This is very easy and can be done by comparing rates here.

Auto insurance rates on a 2002 will vary greatly subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Your credit history
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Safety rating of your 2002
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the payout to repair will push premiums up. But newer models may have a trim level with safety features including active head restraints, an advanced theft deterrent system, and lane departure warning system so those may lower rates.

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

Collision coverage - Collision coverage pays for damage to your resulting from a collision with another car or object. You have to pay a deductible 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 vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense insurance - Med pay and PIP coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.