Drivers have lots of options when comparing insurance rates on your vehicle. You can either buy through an agent or get quotes online to compare insurance costs of companies. Shopping for auto insurance by quoting online saves time, is easy to do, plus you can save money.

Comparing auto insurance rates direct online can be difficult if you are a beginner to online quotes. But relax because it's actually quite easy. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes getting comparison quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

Car insurance rates influenced by...

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

  • High performance increases premiums
  • Any accidents you may have
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Add-on coverages such as rental reimbursement
  • Your claim history
  • Having current coverage saves
  • Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so the costs to repair can inflate annual premiums. On the flip side, more recent vehicles may have safety features like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which can help offset higher rates.

Liability coverages - This will cover damage or injury you incur to a person or their property by causing 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 coverages - Collision coverage will pay to fix damage to your 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. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive coverages - This covers 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 your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states and may carry a deductible.