Finding cheaper car insurance on the web saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to get as many rate quotes as possible so you can compare every possible rate.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online quoting. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. The best way to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Insurance rates for a 2003 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating impacts rates
• The size of your community
• How many miles you drive
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 2003
• Your profession
• The level of coverage
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old cost less so repair costs tend to be lower which may end up costing you less. Conversely, newer vehicles may have options such as a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which may provide discounts that lower premiums.

Liability car insurance

This can cover damage that occurs to other people or property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

This covers damage to your caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. 2003 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.