Buying auto insurance on the web can be fast and easy and at the same time you might just save a little. The most important part is to take the time to get rates from as many companies as possible so you can get every option.

If you're new to shopping for auto insurance online, it's easy to be confused by the hoards of online auto insurance companies and websites vying for your business. Finding a lower price on 2003 insurance isn't really that difficult. You just have to take a little time to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

Which factors influence your insurance rates?

Auto insurance rates for your 2003 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Where you live
• High miles vs. low miles
• Men typically pay more than women
• Low deductibles cost more
• Your vehicle's safety rating
• Claims drive up premiums
• No coverage lapses saves money
• Whether you rent or own your home

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the cost to replace them can inflate annual premiums. Conversely, more recent vehicles may have a trim level with safety features such as adaptive cruise control, sideview assist mirrors, and tire pressure monitors which can give discounted rates.

Liability car insurance

This coverage will cover damages or injuries you inflict on other's property or people in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.