Finding cheaper auto insurance by getting online quotes saves time, is easy to do, in addition you might just save a little. The key to finding lower rates is to compare rates from all providers so you can compare all possible prices.

Finding the best direct price on auto insurance can be complicated if you are a beginner to online rate quotes. But relax because comparing prices is actually very simple. Finding cheaper coverage prices can be relatively painless. All you need to do is take the time to get quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2003 will vary greatly and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Your credit history
• Male drivers pay higher rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor which can affect is the model year. A newer vehicle have a higher actual cash value in comparison to later models so the costs to repair will push premiums up. But new models may have a trim level with safety features including traction control, adaptive headlights, and automatic crash notification so those may provide discounts that lower premiums.

Liability

This provides protection from injuries or damage you cause to a person or their property that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so consider buying as much as you can afford.

Collision protection

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage gives you protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.