Buying auto insurance online is easy and there is a good chance you might just save a little. The key is getting as many rate quotes as possible so you can get the cheapest rate quotes.

People who are new to shopping for insurance may think shopping for cheap 2003 insurance is very challenging. Finding lower is not rocket science. You just have to spend a little time to get quotes from different insurance companies. This can be accomplished by completing this short form.

Auto insurance rates for a 2003 can be significantly different based upon several criteria. Some of these factors include:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2003
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so repair costs are higher which may end up costing you more. But newer vehicles may have a trim level with safety features including adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes that may help give discounted rates.

Liability coverage - Liability insurance can cover damage that occurs to other people or property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage - Collision insurance covers damage to your caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder. 2003 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.