Comparing car insurance by comparing rates online can be fast and easy, in addition you can save money. The most important part is getting as many rate quotes as possible in order to have every company's rates.

If you've never shopped for car insurance online, you may be confused by the hoards of car insurance companies offering insurance. There are several ways of comparing rates and find the best price. The simplest method to compare involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Car insurance premiums for a 2003 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your location impacts rates
• How many miles you drive
• Male rates may be higher
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your occupation
• Insurance coverage level
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so repair costs tend to be lower which may result in lower rates. Although newer vehicles may have safety features included like blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system that may help lower rates.

Auto liability insurance

This coverage can cover injuries or damage you cause to other people or property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Coverage for collisions

This coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. 2003 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.