Finding cheaper car insurance through online providers is simple to do and at the same time you may find lower rates. The critical component is to compare rates from as many companies as possible so you can compare the lowest prices.

Finding the best direct price on car insurance is challenging if you have never used online rate quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to get quotes and find the best price. The easiest way to find the lowest is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

What influences the rate you pay?

Insurance premiums for your 2003 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• Men typically pay more than women
• Higher deductibles save money
• Your vehicle's safety rating
• Your job
• Insurance coverage level
• Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new models so the payout to repair can decrease annual premiums. Although more recent vehicles have more advanced features included like lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system so those may provide discounts that lower premiums.

Liability auto insurance - 2003 liability coverage will cover damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision - This will pay to fix damage to your resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM Coverage - This gives you protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.