Comparing auto insurance from online rate quotes can be fast and easy and at the same time you might just save a little. The most important part is to get rates from all companies in order to accurately compare the lowest rate quotes.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of companies vying for your business. Lowering your doesn't have to be difficult. You just need to take a few minutes to get quotes provided by online insurance companies. This can be done by getting a quick quote here.

Which factors influence ?

Auto insurance rates on a 2003 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the cost to replace them may result in higher rates. On the flip side, more recent vehicles may have a trim level with safety features like pedestrian detection, tire pressure monitors, and autonomous braking which may help offset higher rates.

Liability insurance

This coverage will cover damages or injuries you inflict on people or other property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision insurance

This coverage will pay to fix damage to your resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in. Collision coverage for your 2003 can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and may carry a deductible.