There are many options when insurance shopping for your vehicle. You can either buy through your neighborhood insurance agent or price shop online to check prices from lots of different providers. Finding cheaper car insurance through online providers is simple to do and there is a good chance you will probably save money.

Finding the best direct price on car insurance can be a challenge if you have never used online quotes. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The easiest way to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Insurance rates for a 2003 can vary widely subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Your birth date
• Having a spouse can save money
• Extra coverages like towing and rental
• Your profession
• The amount of protection requested
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old cost less so repair costs tend to be lower which can decrease annual premiums. But newer vehicles may have options including lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which can give discounted rates.

Liability auto insurance - 2003 liability coverage can cover damage that occurs to other people or property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision - This covers damage to your caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2003 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.