Shopping for auto insurance through online providers saves time, is easy to do, plus you will probably save money. The key to finding lower rates is to get rates from all companies so you can get the lowest priced insurance.

Comparing auto insurance rates direct online can be difficult if you are a beginner to online quoting. But don't be discouraged because there is an easy way to compare rates. Getting better is surprisingly easy. Just take time comparing rates online from several insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by these things

Insurance rates on a 2002 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating impacts rates
• Male drivers pay higher rates
• Low deductibles cost more
• Crash test rating for your 2002
• No claims lowers premiums
• Having current coverage saves
• Home ownership saves money

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so the costs to repair may result in higher rates. On the flip side, new models may have options like all-wheel drive, a telematics system, and autonomous braking which may give discounted rates.

Liability auto insurance - This provides protection from damage or injury you incur to people or other property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverage - Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 2002 can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive (Other than Collision) - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. 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 insurance - Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance program or if you lack health insurance entirely. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.