Comparing car insurance on the web can be fast and easy, in addition you might just save a little. The most important part is to get rates from all companies so you can compare the lowest rate quotes.

If you've never shopped for car insurance online, you may be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. By far the easiest way to find the lowest involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine insurance rates

Auto insurance rates on a 2003 can fluctuate considerably depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• What you do for a living
• The level of coverage
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the cost to replace them may result in lower rates. Conversely, newer vehicles may have a trim level with safety features such as a telematics system, blind-spot warning system, and sideview assist mirrors which may provide discounts that lower premiums.

Liability car insurance

This coverage can cover injuries or damage you cause to people or other property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision insurance

This coverage covers damage to your resulting from a collision with another vehicle or an object, but not an animal. 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. Another option is to bump up the deductible to bring the cost down.

Comprehensive car insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.