You have lots of choices when finding cheaper insurance coverage on your vehicle. You can get prices from a local agent or price shop online to compare pricing from many different companies. Buying car insurance from online companies is simple to do and at the same time you might just save a little.

Shopping online for car insurance is challenging if you have never used quoting online. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The easiest way by far to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

What influences car insurance premiums?

Auto insurance rates for your 2003 can be significantly different subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • How many accidents you have had
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Special coverage such as replacement cost
  • What you do for a living
  • The amount of protection requested
  • Whether you rent or own your home

A final factor that helps determine is the model year. Older models have a reduced actual cash value in comparison to older models so the payout to repair can decrease annual premiums. But new models may have a trim level with safety features including forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive that may help provide discounts that lower premiums.

Liability coverage

2003 liability coverage provides protection from damages or injuries you inflict on other's property or people in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

This gives you protection when the "other guys" either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.