Comparing auto insurance by getting online quotes is simple to do, plus you may find lower rates. The critical component is to take the time to get rates from as many companies as possible so you can compare the best prices.

Using the web to shop for auto insurance direct can be difficult if you have never used online quotes. Don't let that stop you because we're going to show you how. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes to compare quotes online with multiple companies. This can be done by visiting this page.

Rates are determined by the following

Insurance premiums for your 2003 can vary widely subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Credit rating
• Male rates may be higher
• Higher deductibles save money
• Crash test rating for your 2003
• Whether or not you have claims
• No coverage lapses saves money
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older models so the payout to repair can inflate annual premiums. Conversely, newer vehicles have more advanced features such as pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification which can provide discounts that lower premiums.

Liability - 2003 liability coverage can cover damage or injury you incur to other's property or people. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverages - This coverage covers damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your 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 to bring the cost down.

Comprehensive or Other Than Collision - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.