Drivers have lots of options when comparing insurance rates on your vehicle. You can either contact an agent or go online to check prices from companies. Shopping for car insurance by quoting online can be fast and easy, plus you can save money.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of online companies offering insurance. There are several ways to compare quotes from different insurance companies. One of the best ways to find competitive consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by these factors

Car insurance premiums paid to insure a 2003 will vary greatly depending on several factors. Including but not limited to:

  • Higher performance 2003 vehicles cost more
  • Your accident history
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Add-on coverages such as rental reimbursement
  • Your occupation
  • The level of coverage
  • Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so the costs to repair may result in lower rates. Conversely, newer models may have safety features such as blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection so those may give discounted rates.

Liability coverages - This coverage protects you from damage or injury you incur to a person or their property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverages - Collision coverage pays for damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverages - This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments - Med pay and PIP coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.