Finding cheaper auto insurance from online rate quotes can be fast and easy and at the same time you can save money. The most important part is to get rates from all providers in order to have all possible prices.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of online companies offering insurance. Finding cheaper coverage prices doesn't have to be difficult. All you need to do is take the time getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Which factors influence ?

Car insurance premiums paid to insure a 2003 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so the cost to replace them may result in higher rates. Conversely, newer models may have safety features such as active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors which may lower rates.

Liability insurance

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision protection

This pays for damage to your from colliding with an object or car. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive protection

This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.