Finding cheaper auto insurance through online companies can be fast and easy and at the same time you might just save a little. The most important part is getting rates from all companies in order to have the best prices.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of companies vying for your business. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Which factors influence car insurance premiums?

Auto insurance rates on a 2003 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so the cost to replace them may end up costing you more. Although new models may have a trim level with safety features included like anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera that may help lower rates.

Coverage for liability - This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverages - This pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2003 can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - This coverage pays for damage that is not covered by collision coverage. A deductible will apply 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 ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.