You have many choices when comparing insurance rates on your vehicle. You can buy direct from a local agent or price shop online to check prices from multiple companies. Comparing car insurance online is simple to do, in addition you might just save a little.

Using the web to shop for car insurance direct can be complicated if you have never used online quotes. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. One of the best ways to find competitive involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2003 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Home and auto can earn discounts
• How you use your vehicle
• Optional coverages like vehicle replacement
• What you do for a living
• The level of coverage
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so the costs to repair can decrease annual premiums. Conversely, new models may have a trim level with safety features such as dual-stage airbags, tire pressure monitors, and blind-spot warning system which can give discounted rates.

Liability coverage - 2003 liability coverage provides protection from injuries or damage you cause to a person or their property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Collision coverages - This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive coverage - This 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 maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage.