Drivers have lots of options when shopping for car insurance for your vehicle. You can buy direct from a local agent or price shop online to compare insurance costs of insurance providers. Finding cheaper car insurance by comparing rates online is simple to do, plus you might just save a little.

Finding the best direct price on car insurance can be difficult if you have never used online quoting. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. By far the easiest way to find the cheapest is to perform an online rate comparison. This can be done by getting a quick quote here.

Premiums are calculated by these things

Auto insurance rates on a 2003 can fluctuate considerably subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• 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 which can affect is the model year. Models that are a few years old have a lower value in comparison to older models so the cost to replace them can decrease annual premiums. But new models may have a trim level with safety features including a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which may help offset higher rates.

Auto liability insurance

2003 liability coverage provides protection from damage or injury you incur to people or other property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your 2003 can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The most 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/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used in conjunction with a health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.