Buying car insurance from online companies can be fast and easy and at the same time you may find lower rates. The most important part is getting rates from all companies so you can compare all possible prices.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of companies selling insurance. The are a couple different ways of comparing rates from car insurance companies in your area. The easiest way by far to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

Which factors influence car insurance premiums?

Insurance premiums 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 rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• Your job
• The amount of protection requested
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new models so the cost to replace them may result in lower rates. But newer vehicles have more advanced features including forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive that may help provide discounts that lower premiums.

Liability coverage

This coverage can cover damages or injuries you inflict on people or other property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision protection

Collision insurance covers damage to your 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 lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.