Comparing car insurance online can be fast and easy and there is a good chance you can save money. The most important part is to get rates from all companies so you can compare the lowest rate quotes.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of companies offering insurance. There are several ways to get quotes from car insurance companies in your area. By far the easiest way to find the lowest involves getting comparison quotes online. This can be accomplished by visiting this page.

Car insurance premiums on a 2003 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 2003
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Used vehicles cost less than newer models so the cost to replace them may result in lower rates. But more recent vehicles may have safety features including pedestrian detection, dual-stage airbags, and blind-spot warning system which may provide discounts that lower premiums.

Liability coverage

This coverage will cover damage that occurs to people or other property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision insurance

This coverage will pay to fix damage to your resulting from a collision with another car or object. 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 older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.