There are many options when buying insurance for your vehicle. You can buy direct from an insurance agent or go online to check prices from many different car insurance companies. Comparing car insurance through online rate quotes can be fast and easy and there is a good chance you may find lower rates.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of car insurance companies selling insurance. The are a couple different ways to get quotes from local car insurance companies. The recommended way to find competitive involves getting comparison quotes online. This can be accomplished by completing this short form.

Insurance premiums for a 2003 can fluctuate considerably depending on several factors. Some of these factors include:

  • Higher performance 2003 vehicles cost more
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Use of your vehicle
  • Young drivers cost more
  • Having a spouse can save money
  • Extra coverages like towing and rental
  • Your job
  • Your coverage level
  • Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so repair costs tend to be lower which may result in lower rates. On the flip side, more recent vehicles have more advanced features like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which may give discounted rates.

Auto liability - This coverage will cover damage that occurs to other people or property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverage - This coverage will pay to fix damage to your caused by collision with another car or object. A deductible applies then your collision coverage will kick in. 2003 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive auto coverage - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.