Shopping for auto insurance by getting online quotes saves time, is easy to do, in addition you will probably save money. The key to finding lower rates is to compare as many rate quotes as possible in order to have every company's rates.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online rate quotes. But don't let that discourage you because there is an easy way to compare rates. Getting lower can be relatively painless. The only thing you need to do is invest a little time comparing rates online from several insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance rates for a 2002 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Where you reside can make a big difference
• How many miles you drive
• Male rates may be higher
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• No claims lowers premiums
• Having current coverage saves
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Newer models have a higher replacement value so the costs to repair will push premiums up. On the flip side, newer vehicles may have options like anti-lock brakes, adaptive cruise control, and autonomous braking so those may lower rates.

Liability

This can cover injuries or damage you cause to other people or property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2002 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.