Comparing auto insurance by quoting online can be fast and easy, plus you might just save a little. The most important part is to get rates from as many companies as possible in order to accurately compare every possible rate.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Reducing your is a fairly straight forward process. All that's required is to spend a few minutes on the computer to get quotes provided by online insurance companies. This can be done by getting a quick quote here.

Rates are determined by...

Auto insurance rates for your 2003 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your location impacts rates
• High miles vs. low miles
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2003
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

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 dual-stage airbags, sideview assist mirrors, and active head restraints which may help offset higher rates.

Liability coverages

This coverage will cover damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies 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. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most your auto insurance company will pay 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.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage 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.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay 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 you lack health insurance entirely. Personal Injury Protection is only offered in select states and may carry a deductible.