Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can buy from a local agent or go online to check prices from multiple insurance companies. Comparing car insurance on the web can be fast and easy, plus you might just save a little.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The simplest method to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by...

Auto insurance rates for your 2003 can fluctuate considerably depending on several factors. Including but not limited to:

• Higher performance 2003 vehicles cost more
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Young drivers cost more
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so the payout to repair may result in lower rates. But more recent vehicles may have a trim level with safety features including lane departure warning system, a telematics system, and a collision avoidance system which may give discounted rates.

Liability car insurance

This coverage will cover damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" 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. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.