Shopping for auto insurance on the web saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to compare rates from all providers so you can compare all possible prices.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online rate quotes. But relax because comparing prices is actually very simple. Finding cheaper coverage prices isn't really that difficult. All you need to do is take the time to get quotes online from several insurance companies. This is very easy and can be done by visiting this page.

Auto insurance rates paid to insure a 2003 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• Your gender can raise or lower rates
• Higher deductibles save money
• Safety rating of your 2003
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the costs to repair will push premiums up. But newer models may have a trim level with safety features including adaptive cruise control, sideview assist mirrors, dual-stage airbags, and a telematics system so those may provide discounts that lower premiums.

Liability car insurance

This protects you from damage that occurs to a person or their property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as much as you can afford.

Collision protection

Collision coverage pays for damage to your from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.