Comparing car insurance through online rate quotes is easy, in addition you can save money. The key is to get rates from all providers so you can compare the lowest priced insurance.

Beginners to comparing rates may think finding affordable 2003 insurance is going to be difficult. There are several ways to compare quotes from car insurance companies in your area. The best method to find the lowest involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 2003 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Your gender can raise or lower rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so the costs to repair will push premiums down. But newer models may have safety features including an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which may provide discounts that lower premiums.

Auto liability - Liability insurance 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. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage - This coverage pays for damage to your from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive auto coverage - This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when the "other guys" do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is not available in all states but can be used in place of medical payments coverage.