There are many options when shopping for car insurance for your vehicle. You can buy direct from your neighborhood insurance agent or shop online to compare insurance costs of multiple companies. Shopping for car insurance online is easy and there is a good chance you will probably save money.

Consumers not familiar with shopping for insurance may think finding cut-rate 2003 insurance is very challenging. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. By far the easiest way to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Insurance rates for your 2003 can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your 2003
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your profession
• The amount of protection requested
• 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 the payout to repair will push premiums down. But newer models may have options including pedestrian detection, dual-stage airbags, and blind-spot warning system which may help offset higher rates.

Liability coverage

Liability insurance protects you from damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision insurance

Collision coverage pays for damage to your resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage covers 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 most you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. PIP is not available in all states and may carry a deductible.