You have many choices when trying to find low-cost insurance for your vehicle. You can either buy through a local agent or price shop online to check prices from car insurance companies. Shopping for auto insurance from online rate quotes is simple to do, in addition you might just save a little.

Comparing auto insurance rates direct online can be complicated if you have never used quoting online. But don't be discouraged because comparing prices is actually very simple. Getting lower doesn't have to be difficult. The only thing you need to do is invest a little time to get quotes online with multiple companies. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Auto insurance rates on a 2003 can be significantly different subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

A final factor that will help determine is the model year. New vehicles have a higher replacement value in comparison to later models so the payout to repair may end up costing you more. Although more recent vehicles may have a trim level with safety features included like tire pressure monitors, anti-lock brakes, and forward-collision avoidance that may help give discounted rates.

Liability insurance

2003 liability coverage will cover injuries or damage you cause to people or other property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Coverage for collisions

Collision coverage will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2003 can be pricey, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive protection

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.