Finding cheaper car insurance on the web saves time, is easy to do and at the same time you can save money. The key to finding lower rates is to take the time to get rates from all providers so you can get the best prices.

Finding the best direct price on car insurance is challenging if you are a beginner to online quotes. But relax because it's actually quite easy. There are several ways to compare rate quotes and find the best price. One of the best ways to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

What factors determine your insurance rates?

Car insurance premiums paid to insure a 2003 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• Male drivers pay higher rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the costs to repair may end up costing you less. Although new models may have safety features included like a telematics system, lane departure warning system, and tire pressure monitors which can give discounted rates.

Liability car insurance - This provides protection from damages or injuries you inflict on a person or their property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy higher limits if possible.

Collision coverages - This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive car insurance - This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.