Shopping for auto insurance by getting online quotes is easy and there is a good chance you may find lower rates. The key is to compare as many rate quotes as possible in order to accurately compare every possible rate.

Consumers not familiar with shopping for insurance may think buying cheap 2003 insurance is nearly impossible. Reducing your can be relatively painless. All that's required is to spend a few minutes on the computer to compare quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

Insurance premiums for a 2003 will vary greatly based upon several criteria. Some of these factors include:

• Your driving record
• Your credit history
• Where you reside can make a big difference
• How many miles you drive
• Men typically pay more than women
• The deductible you choose
• Safety rating of your 2003
• Whether or not you have claims
• Having current coverage saves
• Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Models that are new have a higher replacement value compared to older models so repair costs are higher which will push premiums up. On the flip side, more recent vehicles have more advanced features like blind-spot warning system, dual-stage airbags, and automatic crash notification so those may help offset higher rates.

Liability

Liability insurance will cover damage that occurs to other people or property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. 2003 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP is only offered in select states and may carry a deductible.