Drivers have lots of options when shopping for insurance coverage for your vehicle. You can either contact an agent or get quotes online to check prices from insurance providers. Buying auto insurance by comparing rates online saves time, is easy to do, plus you can save money.

Shopping online for auto insurance can be difficult if you are a beginner to online quotes. Don't let that stop you because it's actually quite easy. Getting better can be quick and easy. Just take time getting comparison quotes online from several insurance companies. This can be accomplished by completing this short form.

Rates are impacted by these things

Car insurance premiums for your 2003 can vary widely and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Any accidents you may have
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • Your claim history
  • Having current coverage saves
  • Home ownership saves money

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so the costs to repair can inflate annual premiums. On the flip side, new models may have safety features like anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights which can give discounted rates.

Auto liability insurance - This 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. It is cheap coverage so you should buy higher limits if possible.

Collision coverage - 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 then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.