Buying auto insurance on the web is simple to do and there is a good chance you may find lower rates. The critical component is to take the time to get rates from as many companies as possible so you can compare the cheapest rate quotes.

Shopping online for auto insurance can be a challenge if you have never used online quotes. Don't let that stop you because we're going to show you how. Finding lower isn't really that difficult. You just have to spend a little time to compare quotes online with multiple companies. This can be accomplished by visiting this page.

Insurance premiums for your 2003 can vary widely subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating
• Your gender can raise or lower rates
• Higher deductibles save money
• Safety rating of your 2003
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. A newer vehicle cost more compared to older models so the payout to repair can inflate annual premiums. But newer models have more advanced features including tire pressure monitors, active head restraints, and pedestrian detection which can provide discounts that lower premiums.

Liability car insurance - 2003 liability coverage protects you from damage that occurs to other's property or people in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage - Collision insurance pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive auto insurance - Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses - Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.