Shopping for car insurance on the web can be fast and easy, in addition you can save money. The most important part is getting rates from all companies in order to have the lowest priced insurance.

If shopping for car insurance online is new to you, you may be confused by the hoards of companies offering insurance. There are several ways of comparing rates from different insurance companies. The best method to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Car insurance premiums on a 2003 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so the cost to replace them may result in lower rates. Conversely, newer vehicles may have safety features such as dual-stage airbags, a telematics system, and pedestrian detection that may help lower rates.

Liability car insurance - This coverage can cover injuries or damage you cause to people or other property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - Collision coverage covers damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible 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. You can also raise the deductible to bring the cost down.

Comprehensive car insurance - This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses - Coverage for medical payments and/or PIP pay for bills such as ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.