Shopping for auto insurance on the web is easy, plus you might just save a little. The key is getting rates from all providers in order to have the cheapest rate quotes.

Consumers not familiar with buying insurance may think shopping for affordable 2002 insurance is not very easy. Finding lower isn't really that difficult. You just have to spend a little time to get quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Car insurance rates influenced by the following

Auto insurance rates paid to insure a 2002 can be significantly different based upon several criteria. Including but not limited to:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 2002
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so repair costs are higher which may end up costing you more. But newer vehicles may have a trim level with safety features including tire pressure monitors, active head restraints, and pedestrian detection that may help lower rates.

Liability car insurance - Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage - Collision coverage covers damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto insurance - This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses - Coverage for medical payments and/or PIP provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.