Buying auto insurance by quoting online can be fast and easy and there is a good chance you might just save a little. The most important part is getting as many rate quotes as possible so you can compare the lowest rate quotes.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies vying for your business. Lowering your is a fairly straight forward process. You just need to take a few minutes to get quotes provided by online insurance companies. This can be accomplished by visiting this page.

Auto insurance rates for a 2002 can be significantly different depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 2002
• Claims drive up premiums
• Having current coverage saves
• Whether you own your home

A final factor that helps determine is the model year. A newer vehicle cost more in comparison to later models so the cost to replace them may end up costing you more. On the flip side, more recent vehicles may have a trim level with safety features like lane departure warning system, anti-lock brakes, and adaptive headlights that may help provide discounts that lower premiums.

Liability coverages

This coverage will cover damage that occurs to other people or property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision insurance

Collision insurance will pay to fix damage to your caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in. 2002 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.