You have many choices when insurance shopping for your vehicle. You can either contact an insurance agent or price shop online to compare insurance costs of insurance carriers. Shopping for auto insurance by getting online quotes is simple to do, in addition you may find lower rates.

Comparing auto insurance rates direct online can be complicated if you have never used online quotes. But relax because we're going to show you how. Cutting your can be relatively painless. Drivers just need to take a couple of minutes to compare quotes online with multiple companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 2003 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• How you use your vehicle
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Models that are new have a higher replacement value compared to older models so the payout to repair can inflate annual premiums. But newer vehicles have more advanced features including a telematics system, all-wheel drive, and adaptive headlights which can help offset higher rates.

Liability - 2003 liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision - Collision coverage covers damage to your from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. 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. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance - Coverage for medical payments and/or PIP reimburse you for bills like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.