Comparing car insurance by getting online quotes is easy, plus you may find lower rates. The key is to compare rates from all companies so you can get every company's rates.

Beginners to buying insurance may think buying low-cost 2003 insurance is nearly impossible. The are a couple different ways of comparing rates from different insurance companies. The simplest method to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by the following

Insurance premiums on a 2003 will vary greatly based upon several criteria. Including but not limited to:

• Your driving record
• Your credit history
• Your location impacts rates
• The number of annual miles
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 2003
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the cost to replace them will push premiums down. Conversely, newer vehicles have more advanced features such as anti-lock brakes, adaptive cruise control, and autonomous braking so those may give discounted rates.

Liability

Liability insurance can cover damage or injury you incur to people or other property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as much as you can afford.

Coverage for collisions

This coverage covers damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2003 can be pricey, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance plan or if you do not have health coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.