Buying auto insurance on the web is easy and there is a good chance you might just save a little. The key is getting as many rate quotes as possible so you can compare the lowest prices.

People who are new to shopping for insurance may think shopping for cheap 2003 insurance is not very easy. Cutting your isn't really that difficult. Drivers just need to take a couple of minutes to get quotes from different insurance companies. This can be accomplished by visiting this page.

Auto 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 drivers pay higher rates
• Higher deductibles save money
• Safety rating of your 2003
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor that helps determine is the model year. A newer vehicle cost more in comparison to later models so repair costs are higher which may end up costing you more. Conversely, new models may have a trim level with safety features such as pedestrian detection, active head restraints, and a backup camera that may help provide discounts that lower premiums.

Liability car insurance - Liability insurance provides protection from damage that occurs to other people or property in 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 consider buying as large an amount as possible.

Collision - Collision insurance pays to fix your vehicle from damage 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 older. Another option is to bump up the deductible to bring the cost down.

Comprehensive auto insurance - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not universally available but can be used in place of medical payments coverage.