Finding cheaper auto insurance on the web saves time, is easy to do, in addition you can save money. The key to finding lower rates is to get rates from as many companies as possible in order to accurately compare the best prices.

Finding the best direct price on auto insurance can be complicated if you are a beginner to online quoting. Don't let that stop you because it's actually quite easy. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your 2002 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating impacts rates
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• Having current coverage saves
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are new have a higher actual cash value than older models so the costs to repair may result in higher rates. On the flip side, more recent vehicles may have safety features like a telematics system, lane departure warning system, and tire pressure monitors which may help offset higher rates.

Liability car insurance - This will cover injuries or damage you cause to other's property or people that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverages - This will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive auto insurance - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The most a auto insurance company will pay at claim time 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 and underinsured coverage - This coverage provides protection when other motorists are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. PIP coverage is only offered in select states and may carry a deductible.