Buying car insurance on the web is easy, in addition you might just save a little. The key is to get rates from as many companies as possible in order to accurately compare the best prices.

People who are new to comparing rates may think finding cut-rate 2003 insurance is not very easy. When shopping for car insurance there are multiple ways to get quotes and find the best price. One of the best ways to find the cheapest is to get quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 2003 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor that helps determine is the model year. Older models have a much lower replacement value in comparison to older models so the payout to repair will push premiums down. Although more recent vehicles may have a trim level with safety features included like a telematics system, lane departure warning system, and tire pressure monitors which may help offset higher rates.

Liability car insurance - Liability insurance will cover injuries or damage you cause to other's property or people in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverages - Collision insurance will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive car insurance - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - This coverage provides protection from other motorists when they are uninsured or don't have enough coverage. 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 expenses - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance program or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.