Shopping for auto insurance through online providers saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to compare rates from as many companies as possible so you can compare the cheapest rate quotes.

Comparing auto insurance rates direct online can be difficult if you are a beginner to online rate quotes. Don't let that stop you because comparing prices is actually very simple. Finding lower is surprisingly easy. You just have to spend a little time to get quotes online from several insurance companies. This is very easy and can be done by visiting this page.

Car insurance rates influenced by the following

Auto insurance rates for your 2002 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• Crash test rating for your 2002
• Claims drive up premiums
• No coverage lapses saves money
• Home ownership saves money

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 the costs to repair will push premiums up. Conversely, newer vehicles may have a trim level with safety features such as active head restraints, an advanced theft deterrent system, and lane departure warning system so those may provide discounts that lower premiums.

Liability auto insurance - This can cover damage or injury you incur to other's property or people by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as much as you can afford.

Collision coverage - Collision coverage covers damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance - Coverage for medical payments and/or PIP kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.