There are many options when finding cheaper insurance coverage on your vehicle. You can either buy through an agent or price shop online to compare insurance costs of many different companies. Comparing car insurance from online companies is simple to do and there is a good chance you can save money.

Using the web to shop for car insurance direct can be a challenge if you have never used online quoting. But relax because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. The easiest way by far to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Car insurance premiums paid to insure a 2003 can fluctuate considerably subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Accidents raise premiums
• Home and auto can earn discounts
• How you use your vehicle
• Extra coverages like towing and rental
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Used vehicles cost less than newer models so the costs to repair can decrease annual premiums. But new models may have safety features including forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive which may help offset higher rates.

Liability coverage

2003 liability coverage provides protection from damage that occurs to a person or their property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The most you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.