Finding cheaper auto insurance by comparing rates online saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is to get rates from all providers so you can get the cheapest rate quotes.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online quoting. But relax because we're going to show you how. Finding lower can be quick and easy. You just have to spend a little time to compare quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

Insurance premiums paid to insure a 2002 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating impacts rates
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2002
• Whether or not you have claims
• Having current coverage saves
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older models so the costs to repair may result in higher rates. On the flip side, newer vehicles have more advanced features like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which may give discounted rates.

Auto liability insurance - This can cover damage that occurs to a person or their property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as high a limit as you can afford.

Collision coverage - This covers damage to your from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive insurance - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.