There are many options when shopping for car insurance for your vehicle. You can either buy through your neighborhood insurance agent or get quotes online to check prices from multiple insurance companies. Comparing car insurance on the web saves time, is easy to do and there is a good chance you will probably save money.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online quoting. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. By far the easiest way to find competitive involves getting comparison quotes online. This can be accomplished by completing this short form.

Insurance rates paid to insure a 2003 can fluctuate considerably and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Accidents raise premiums
  • Home and auto can earn discounts
  • How you use your vehicle
  • Your age
  • Having a spouse can save money
  • Extra coverages like towing and rental
  • Your profession
  • The level of coverage
  • Whether you own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles cost less so the costs to repair may end up costing you less. Conversely, newer models may have options such as a telematics system, blind-spot warning system, and sideview assist mirrors which may give discounted rates.

Liability car insurance

This protects you from damage that occurs to a person or their property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as high a limit as you can afford.

Collision insurance

This coverage pays for damage to your from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive car insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.