Shopping for auto insurance by quoting online is easy, in addition you might just save a little. The key is getting rates from as many companies as possible so you can compare the lowest rate quotes.

Consumers not familiar with comparing rates may think shopping for cut-rate 2002 insurance is hard. Lowering your is a fairly straight forward process. You just need to take a few minutes to get quotes from different insurance companies. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Auto insurance rates for your 2002 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Men typically pay more than women
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Claims drive up premiums
• No coverage lapses saves money
• Owning a home can lower rates

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so repair costs are higher which may end up costing you more. Conversely, more recent vehicles may have a trim level with safety features such as lane departure warning system, anti-lock brakes, and adaptive headlights that may help provide discounts that lower premiums.

Liability coverages

Liability insurance will cover injuries or damage you cause to other's property or people by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision insurance

Collision coverage will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP is only offered in select states but can be used in place of medical payments coverage.