Buying auto insurance by quoting online can be fast and easy, in addition you might just save a little. The most important part is to get rates from all companies in order to accurately compare every option.

If you're new to shopping for auto insurance online, you may be confused by the hoards of companies vying for your business. Finding a lower price on 2003 insurance is a fairly straight forward process. You just have to take a little time to get quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine insurance rates

Auto insurance rates on a 2003 can fluctuate considerably depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Where you live
• The number of annual miles
• Male drivers pay higher rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the cost to replace them may result in higher rates. Although new models may have a trim level with safety features included like traction control, active head restraints, a backup camera, and an advanced theft deterrent system which may help offset higher rates.

Liability coverages

This coverage provides protection from injuries or damage you cause to people or other property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in. Collision coverage for your 2003 can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Personal Injury Protection is not universally available and may carry a deductible.