Comparing car insurance by getting online 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 as many companies as possible so you can get all your choices.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites vying for your business. 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 competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

Which factors influence ?

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

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your location impacts rates
• High miles vs. low miles
• Male drivers pay higher rates
• Low deductibles cost more
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so the payout to repair may result in lower rates. But new models may have a trim level with safety features including traction control, tire pressure monitors, a collision avoidance system, and a telematics system which may give discounted rates.

Liability

This coverage provides protection from damages or injuries you inflict on other's property or people. 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.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. 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. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from 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 the vehicle's value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are utilized in addition to your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.