Comparing auto insurance online can be fast and easy, in addition you may find lower rates. The most important part is to get rates from all providers in order to have all possible prices.

If you've never shopped for auto insurance online, you may be confused by the hoards of online companies selling insurance. Finding cheaper coverage prices is not rocket science. All you need to do is take the time to compare quotes provided by online insurance companies. This can be done by comparing rates here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 2003 can fluctuate considerably depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older models so the cost to replace them may result in higher rates. But newer models have more advanced features including forward-collision avoidance, sideview assist mirrors, and all-wheel drive which may lower rates.

Liability coverage

This coverage protects you from injuries or damage you cause to a person or their property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision protection

This coverage pays for damage to your from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The most a auto 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 consider dropping full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.