Buying auto insurance through online rate quotes can be fast and easy and there is a good chance you can save money. The most important part is to compare as many rate quotes as possible so you can get 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 offering insurance. Lowering your can be surprisingly simple. You just need to take a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished by completing this short form.

Car insurance premiums for a 2002 will vary greatly depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Your credit history
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2002
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so the cost to replace them will push premiums up. On the flip side, new models may have safety features like adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance so those may give discounted rates.

Auto liability

This coverage provides protection from damage that occurs to other people or property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You have to 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 older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.