Comparing car insurance by quoting online saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is to take the time to get as many rate quotes as possible so you can compare every possible rate.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways to compare quotes from local car insurance companies. The best way to find the lowest involves getting comparison quotes online. This can be accomplished by visiting this page.

Insurance premiums for a 2003 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Your location impacts rates
• How many miles you drive
• Your gender can raise or lower rates
• Higher deductibles save money
• Safety rating of your 2003
• Your job
• Your coverage level
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so repair costs tend to be lower which may end up costing you less. On the flip side, newer models have more advanced features like dual-stage airbags, sideview assist mirrors, and active head restraints which can provide discounts that lower premiums.

Liability coverages

This protects you from damage that occurs to other people or property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy higher limits if possible.

Collision coverage protection

This coverage pays for damage to your caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2003 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states but can be used in place of medical payments coverage.