Buying auto insurance from online companies saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is to get rates from as many companies as possible in order to accurately compare every company's rates.

Shopping online for auto insurance can be difficult if you are a beginner to online quoting. Don't let that stop you because we're going to show you how. Getting lower is actually quite simple. The only thing you need to do is invest a little time to compare quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

Rates are impacted by the following

Insurance premiums for your 2003 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating impacts rates
• Where you live
• High miles vs. low miles
• Male rates may be higher
• The deductible you choose
• Crash test rating for your 2003
• Whether or not you have claims
• Having continuous coverage saves you money
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Models that are new cost more compared to older models so the costs to repair may result in higher rates. Although newer vehicles have more advanced features included like autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system which may help offset higher rates.

Liability coverage

This can cover damage or injury you incur to other's property or people in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as high a limit as you can afford.

Coverage for collisions

Collision insurance covers damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. PIP coverage is not an option in every state and may carry a deductible.