Drivers have lots of options when shopping for car insurance for your vehicle. You can buy direct from a local agent or get quotes online to compare insurance costs of lots of different providers. Comparing auto insurance through online providers saves time, is easy to do, plus you might just save a little.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to quoting online. But don't be discouraged because comparing prices is actually very simple. Lowering your is surprisingly easy. You just need to take a few minutes to get quotes online from several insurance companies. This can be done by getting a quick quote here.

Rates are determined by these factors

Auto insurance rates on a 2003 can be significantly different and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Your age
• Being married may save money
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the costs to repair may end up costing you more. But newer models may have a trim level with safety features including forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification that may help help offset higher rates.

Liability auto insurance

This protects you from damage or injury you incur to people or other property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as large an amount as possible.

Collision insurance

This coverage pays for damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2003 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount 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 consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.