Drivers have lots of options when comparing insurance rates on your vehicle. You can either buy through an insurance agent or price shop online to compare insurance costs of many different car insurance companies. Buying car insurance through online rate quotes is simple to do, plus you may find lower rates.

Shopping online for car insurance can be difficult if you have never used online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to compare rate quotes from car insurance companies in your area. One of the best ways to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by these things

Insurance premiums for your 2003 can vary widely subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Any accidents you may have
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Being married may save money
• Add-on coverages such as rental reimbursement
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new models so the payout to repair can decrease annual premiums. But new models have more advanced features including autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights which can help offset higher rates.

Auto liability - 2003 liability coverage provides protection from damage or injury you incur to other's property or people in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverages - Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive auto coverage - Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.