Finding cheaper auto insurance on the web can be fast and easy and there is a good chance you might just save a little. The most important part is to get rates from all companies so you can get every possible rate.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of companies vying for your business. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer to get quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Auto insurance rates 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
• The size of your community
• The number of annual miles
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2003
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so the cost to replace them may result in higher rates. Conversely, newer vehicles may have a trim level with safety features such as a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which may give discounted rates.

Liability car insurance

This coverage can cover damage that occurs to people or other property that is your fault. 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 consider buying as high a limit as you can afford.

Collision coverage protection

This covers 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 vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, 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 pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used in conjunction with a health insurance program or if you do not have health coverage. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.