Finding cheaper auto insurance by quoting online saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is to compare as many rate quotes as possible so you can compare all your choices.

Finding the best direct price on auto insurance can be difficult if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how. Getting cheaper insurance rates is a fairly straight forward process. The only requirement is to invest a few minutes to compare quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

Premiums are calculated by...

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

• Tickets increase premiums
• Your credit history
• The size of your community
• How many miles you drive
• Men typically pay more than women
• Higher deductibles save money
• Crash test rating for your 2003
• Whether or not you have claims
• Having current coverage saves
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older models so the costs to repair will push premiums up. On the flip side, more recent vehicles have more advanced features like adaptive headlights, anti-lock brakes, traction control, and a telematics system so those may provide discounts that lower premiums.

Liability coverages

This will cover damage or injury you incur to other people or property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Auto collision coverage

This will pay to fix damage to your caused by collision with a stationary object or other vehicle. You have to pay a 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. Another option is to increase the deductible to get cheaper .

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP coverage is only offered in select states but can be used in place of medical payments coverage.