Buying auto insurance on the web is easy and at the same time you may find lower rates. The key is getting rates from all providers in order to accurately compare the cheapest rate quotes.

People who are new to comparison shopping may think shopping for affordable 2003 insurance is not very easy. Finding lower isn't really that difficult. You just have to spend a little time to compare quotes from different insurance companies. This can be accomplished by getting a quick quote here.

What factors impact car insurance premiums?

Insurance premiums paid to insure a 2003 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Models that are new cost more compared to older models so repair costs are higher which may end up costing you more. Although more recent vehicles have more advanced features included like tire pressure monitors, active head restraints, and pedestrian detection that may help help offset higher rates.

Liability car insurance - Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision coverage - Collision insurance will pay to fix damage to your from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive auto insurance - This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim 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/Underinsured Motorist coverage - This 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 liability coverage can quickly be exhausted. 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 expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.