Comparing auto insurance on the web can be fast and easy, plus you might just save a little. The most important part is to get rates from as many companies as possible so you can get all your choices.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Getting cheaper insurance rates isn't really that difficult. The only requirement is to invest a few minutes to get quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by these things

Auto insurance rates for your 2003 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your location impacts rates
• High miles vs. low miles
• Male drivers pay higher rates
• Low deductibles cost more
• Crash test rating for your 2003
• Claims drive up premiums
• Having continuous coverage saves you money
• Home ownership saves money

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them may result in higher rates. Although new models may have a trim level with safety features included like automatic crash notification, anti-lock brakes, and a backup camera which may give discounted rates.

Liability car insurance

This coverage provides protection from damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.