You have lots of choices when finding cheaper insurance coverage on your vehicle. You can buy direct from an agent or go online to compare pricing from insurance carriers. Comparing auto insurance by getting online quotes can be fast and easy and at the same time you can save money.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies offering insurance. Finding cheaper coverage prices can be relatively painless. All you need to do is take the time getting comparison quotes provided by online insurance companies. This can be done by visiting this page.

Which factors influence the rate you pay?

Car insurance premiums for a 2003 will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance 2003 vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • Use of your vehicle
  • Special coverage such as replacement cost
  • Your claim history
  • Having continuous coverage saves you money
  • Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so the cost to replace them will push premiums up. Although newer vehicles may have safety features included like traction control, adaptive headlights, and automatic crash notification so those may provide discounts that lower premiums.


This coverage can cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision protection

This coverage covers damage to your caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. 2003 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible in order to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.