Finding cheaper auto insurance online is simple to do and at the same time you will probably save money. The critical component is to compare rates from as many companies as possible so you can compare every possible rate.

Finding the best direct price on auto insurance is challenging if you have never used online rate quotes. Don't let that stop you because there is an easy way to compare rates. Reducing your is not rocket science. All that's required is to spend a few minutes on the computer comparing rates online with multiple companies. It is quite easy and can be accomplished by visiting this page.

What influences the rate you pay?

Insurance rates for your 2002 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• The size of your community
• High miles vs. low miles
• Your gender can raise or lower rates
• Higher deductibles save money
• Your vehicle's safety rating
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. A newer vehicle have a higher actual cash value so the payout to repair will push premiums up. Conversely, newer models may have options such as forward-collision avoidance, tire pressure monitors, and autonomous braking so those may provide discounts that lower premiums.

Liability coverage

2002 liability coverage protects you from damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision coverage protection

This pays for damage to your resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.