There are many options when comparing insurance rates on your vehicle. You can either buy through an insurance agent or go online to compare rates from companies. Comparing car insurance by quoting online can be fast and easy and there is a good chance you may find lower rates.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of car insurance companies selling insurance. The are a couple different ways to get quotes from local car insurance companies. One of the best ways to compare involves getting comparison quotes online. This can be accomplished by comparing rates here.

Insurance premiums for a 2003 can fluctuate considerably depending on several factors. Some of these factors include:

• Higher performance 2003 vehicles cost more
• Accidents raise premiums
• Home and auto can earn discounts
• Use of your vehicle
• Extra coverages like towing and rental
• Your job
• Your coverage level
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so repair costs tend to be lower which may result in lower rates. On the flip side, more recent vehicles have more advanced features like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which may lower rates.

Liability coverages - This coverage will cover damage that occurs to other people or property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverages - This coverage will pay to fix damage to your caused by collision with another car or object. A deductible applies then your collision coverage will kick in. 2003 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive coverages - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The most you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.