Finding cheaper auto insurance by getting online quotes is easy, in addition you can save money. The key is to compare rates from as many companies as possible in order to accurately compare the lowest priced insurance.

Consumers who are new to the process of comparing rates may think buying cut-rate 2002 insurance is nearly impossible. Getting better can be relatively painless. Just take time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your 2002 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Your gender can raise or lower rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• Having current coverage saves
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are new have a higher actual cash value than older models so repair costs are higher which will push premiums up. On the flip side, newer models may have safety features like lane departure warning system, pedestrian detection, and tire pressure monitors so those may help offset higher rates.

Liability - Liability insurance protects you from injuries or damage you cause to other's property or people that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage - This pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to 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 older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when other motorists do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance - Med pay and PIP coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP is not available in all states and may carry a deductible.