Comparing auto insurance online saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to accurately compare the lowest prices.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online quotes. But don't let that discourage you because we're going to show you how. Cutting your is not rocket science. Drivers just need to take a couple of minutes to compare quotes online from several insurance companies. This can be done by getting a quick quote here.

Rates are determined by these things

Insurance premiums for a 2003 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Male drivers pay higher rates
• The deductible you choose
• Crash test rating for your 2003
• Whether or not you have claims
• Maintaining coverage lowers rates
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so the costs to repair can inflate annual premiums. But new models have more advanced features including a collision avoidance system, a telematics system, dual-stage airbags, and pedestrian detection which can help offset higher rates.

Liability coverage - This provides protection from damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy higher limits if possible.

Collision - This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible 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 lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available and may carry a deductible.