Shopping for car insurance from online rate quotes saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is getting rates from all companies in order to accurately compare the cheapest rate quotes.

Comparing car insurance rates direct online is challenging if you are a beginner to quoting online. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The recommended way to find the cheapest consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine car insurance premiums?

Auto insurance rates on a 2003 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Your gender can raise or lower rates
• The deductible you choose
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the cost to replace them may end up costing you less. But newer models may have a trim level with safety features including adaptive cruise control, anti-lock brakes, and active head restraints that may help help offset higher rates.

Liability insurance - This protects you from damages or injuries you inflict on people or other property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage - Collision coverage pays for damage to your resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2003 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive protection - This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage - Med pay and PIP coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.