Comparing car insurance on the web saves time, is easy to do, plus you can save money. The key to finding lower rates is to compare as many rate quotes as possible in order to accurately compare the lowest rate quotes.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online rate quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes and find the best price. By far the easiest way to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by these factors

Car insurance premiums for a 2003 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 2003
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so repair costs tend to be lower which may end up costing you less. Although newer models may have safety features included like a telematics system, blind-spot warning system, and sideview assist mirrors so those may help offset higher rates.

Liability car insurance

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

Collision insurance

This coverage pays for damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2003 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive car insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP coverage is not available in all states and may carry a deductible.