Buying auto insurance from online rate quotes can be fast and easy and there is a good chance you can save money. The most important part is getting rates from as many companies as possible in order to have the lowest rate quotes.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of online auto insurance companies and websites offering insurance. Lowering your doesn't have to be difficult. You just need to take a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Car insurance premiums for your 2003 can be significantly different depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Safety rating of your 2003
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so the cost to replace them may end up costing you more. Conversely, new models may have safety features such as pedestrian detection, tire pressure monitors, and autonomous braking that may help lower rates.

Liability insurance

This coverage provides protection from damage that occurs to other's property or people in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.