Shopping for car insurance by getting online quotes is easy and there is a good chance you will probably save money. The key is getting as many rate quotes as possible in order to have the best prices.

Consumers not familiar with shopping for insurance may think shopping for cheap 2003 insurance is nearly impossible. To find the best car insurance prices, there are several ways of comparing rates from local car insurance companies. One of the best ways to compare consists of shopping online. This can be accomplished by comparing rates here.

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
• Deductible amount directly impacts your rate
• Safety rating of your 2003
• Your profession
• Your coverage level
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks cost less so repair costs tend to be lower which will push premiums down. On the flip side, newer vehicles may have options like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification that may help lower rates.

Liability - Liability insurance can cover damage that occurs to other people or property by causing 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 purchase as large an amount as possible.

Collision coverages - Collision coverage 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 8 years or older. You can also choose a higher deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state and gives slightly broader coverage than med pay.