Buying auto insurance through online rate quotes can be fast and easy and there is a good chance you will probably save money. The most important part is to get rates from as many companies as possible so you can get every company's rates.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites competing for your business. Getting lower can be surprisingly simple. The only thing you need to do is invest a little time comparing rates provided by online insurance companies. This can be accomplished by completing this short form.

Insurance rates for your 2002 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Where you live
• High miles vs. low miles
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2002
• No claims lowers premiums
• Having continuous coverage saves you money
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. New vehicles cost more so the cost to replace them may result in higher rates. Although newer vehicles may have options included like a backup camera, lane departure warning system, and traction control which may give discounted rates.

Auto liability

This coverage can cover damage that occurs to other's property or people in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Coverage for collisions

Collision insurance covers damage to your resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper .

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.