Drivers have lots of options when trying to insure your vehicle. You can get prices from a local agent or get quotes online to compare pricing from insurance carriers. Shopping for auto insurance by getting online quotes saves time, is easy to do, plus you might just save a little.

Comparing auto insurance rates direct online can be difficult if you are a beginner to online quoting. But don't be discouraged because comparing prices is actually very simple. Finding a lower price on 2003 insurance can be relatively painless. You just have to take a little time to get quotes online from several insurance companies. This is very easy and can be done by visiting this page.

Car insurance rates influenced by the following

Auto insurance rates on a 2003 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the costs to repair may result in higher rates. But newer vehicles may have a trim level with safety features including a telematics system, dual-stage airbags, a rollover prevention system, and a collision avoidance system which may provide discounts that lower premiums.

Liability

This can cover damage or injury you incur to people or other property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage

Collision coverage covers damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 2003 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.