Comparing auto insurance through online providers can be fast and easy, plus you may find lower rates. The most important part is to compare rates from all providers so you can get the lowest rate quotes.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online companies selling insurance. Lowering your is surprisingly easy. You just need to take a few minutes to compare quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by...

Insurance premiums paid to insure a 2003 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Men typically pay more than women
• Low deductibles cost more
• 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. New vehicles have a higher value compared to older models so the cost to replace them will push premiums up. But more recent vehicles have more advanced features including forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification so those may give discounted rates.

Liability auto insurance

This coverage will cover damage or injury you incur to a person or their property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.