Shopping for car insurance through online rate quotes saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to get rates from as many companies as possible in order to accurately compare all your choices.

Comparing car insurance rates direct online can be difficult if you are a beginner to online quoting. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The fastest way to find the cheapest consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by these things

Auto insurance rates for your 2003 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating impacts rates
• Where you reside can make a big difference
• High miles vs. low miles
• Male drivers pay higher rates
• The deductible you choose
• Crash test rating for your 2003
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the payout to repair may end up costing you less. But new models may have a trim level with safety features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which may help offset higher rates.

Auto liability

This provides protection from damage or injury you incur to other's property or people by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as high a limit as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. 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 vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP coverage is not universally available and may carry a deductible.