Buying car insurance by comparing rates online 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 in order to accurately compare the cheapest rate quotes.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. The recommended way to find the cheapest is to get quotes online. This can be accomplished by getting a quick quote here.

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
• Men typically pay more than women
• The deductible you choose
• Safety rating of your 2003
• What you do for a living
• Your coverage level
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the cost to replace them may result in lower rates. On the flip side, more recent vehicles may have a trim level with safety features like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which may help offset higher rates.

Auto liability insurance - This coverage will cover damage that occurs to people or other property in an accident. 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 - Collision insurance will pay to fix 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. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive insurance - This coverage covers 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 your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection when other motorists are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and may carry a deductible.