Finding cheaper auto insurance on the web can be fast and easy, plus you might just save a little. The most important part is to get as many rate quotes as possible so you can compare the lowest rate quotes.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of auto insurance companies vying for your business. Lowering your isn't really that difficult. You just need to take a few minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished by visiting this page.

Premiums are calculated by these factors

Auto insurance rates for a 2002 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your gender can raise or lower rates
• Higher deductibles save money
• Crash test rating for your 2002
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor which can affect is the model year. A newer vehicle have a higher actual cash value in comparison to later models so the cost to replace them may result in higher rates. On the flip side, newer models may have a trim level with safety features like a telematics system, blind-spot warning system, and sideview assist mirrors which may provide discounts that lower premiums.

Liability car insurance

This coverage protects you from damage or injury you incur to other people or property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision insurance

This pays for damage to your caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. 2002 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.