Buying auto insurance by comparing rates online can be fast and easy and at the same time you may find lower rates. 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, it's easy to be confused by the hoards of online auto insurance companies and websites selling insurance. Getting lower can be quick and easy. The only thing you need to do is invest a little time to compare quotes provided by online insurance companies. This can be accomplished by completing this short form.

Which factors influence ?

Insurance premiums for your 2002 can fluctuate considerably depending on several factors. Taken into consideration are:

• 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
• Your vehicle's safety rating
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older models so the cost to replace them may result in higher rates. Although newer vehicles have more advanced features included like blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system which may give discounted rates.

Auto liability insurance

This coverage can cover damages or injuries you inflict on other's property or people in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Coverage for collisions

Collision insurance covers damage to your resulting from colliding with an object or car. 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 lower value vehicles. It's also possible to increase the deductible in order to get cheaper .

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The most you can receive from a comprehensive 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

This 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.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. 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.