Shopping for car insurance by getting online quotes is easy, plus you may find lower rates. The key is to get rates from all companies so you can compare the cheapest rate quotes.

Consumers not familiar with buying insurance may think finding low-cost 2003 insurance is nearly impossible. The are a couple different ways to get quotes from car insurance companies in your area. The recommended way to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by...

Insurance premiums on a 2003 can fluctuate considerably based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating impacts rates
• Men typically pay more than women
• Higher deductibles save money
• Crash test rating for your 2003
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so the cost to replace them will push premiums down. But more recent vehicles have more advanced features including anti-lock brakes, adaptive headlights, and adaptive cruise control which may provide discounts that lower premiums.

Liability - Liability insurance will cover damage or injury you incur to people or other property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2003 can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers 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 important protection for you and your family.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.