Comparing auto insurance through online companies saves time, is easy to do, plus you can save money. The key to finding lower rates is to compare rates from all companies in order to accurately compare the cheapest rate quotes.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online rate quotes. But don't be discouraged because it's actually quite easy. Finding lower is not a difficult process. You just have to spend a little time getting comparison quotes online from several insurance companies. This can be done by getting a quick quote here.

Rates are determined by...

Car insurance premiums on a 2002 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2002
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the costs to repair will push premiums up. Conversely, more recent vehicles may have safety features such as adaptive cruise control, pedestrian detection, and lane departure warning system so those may help offset higher rates.

Coverage for liability - This will cover damage or injury you incur to people or other property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as much as you can afford.

Collision coverage - This coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2002 can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states and may carry a deductible.