Finding cheaper auto insurance by quoting online can be fast and easy, in addition you might just save a little. The most important part is getting rates from as many companies as possible in order to have the lowest priced insurance.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online auto insurance companies and websites vying for your business. Getting better is a fairly straight forward process. Just take time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Criteria which help determine your insurance rates

Auto insurance rates for your 2003 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Claims drive up premiums
• No coverage lapses saves money
• Owning a home can lower rates

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so the cost to replace them may end up costing you more. Conversely, newer vehicles may have a trim level with safety features such as pedestrian detection, automatic crash notification, and tire pressure monitors that may help lower rates.

Liability coverages - This coverage can cover injuries or damage you cause to other's property or people that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - This covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverages - Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for medical payments - Coverage for medical payments and/or PIP pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.