Shopping for auto insurance by quoting online can be fast and easy and there is a good chance you will probably save money. The most important part is to take the time to get as many rate quotes as possible so you can get all your choices.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of auto insurance companies competing for your business. Getting cheaper insurance rates is a fairly straight forward process. The only requirement is to invest a few minutes comparing rates provided by online insurance companies. This is very easy and can be done by completing this short form.

Insurance rates for a 2003 can vary widely depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating
• Where you reside can make a big difference
• How many miles you drive
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 2003
• No claims lowers premiums
• Having continuous coverage saves you money
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so the cost to replace them can inflate annual premiums. Although newer models may have options included like adaptive headlights, anti-lock brakes, traction control, and a telematics system which can give discounted rates.

Liability coverages

This coverage protects you from damage that occurs to other people or property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. 2003 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper .

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.