You have many choices when buying insurance for your vehicle. You can buy from a local agent or shop online to compare pricing from car insurance companies. Shopping for car insurance from online rate quotes is easy, in addition you might just save a little.

Consumers not familiar with comparing rates may think purchasing cheap 2003 insurance is more work than they want to put in. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The recommended way to find the lowest consists of shopping online. This is very easy and can be done by visiting this page.

Criteria which help determine

Auto insurance rates for a 2003 can vary widely based upon several criteria. A few of these criteria are:

• The performance level of your 2003
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Optional coverages like vehicle replacement
• What you do for a living
• Insurance coverage level
• Owning a home can lower rates

A final factor that will help determine is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so repair costs tend to be lower which will push premiums down. Although newer models may have a trim level with safety features included like adaptive cruise control, anti-lock brakes, and active head restraints which can provide discounts that lower premiums.

Liability insurance - Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverage - Collision coverage pays for damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. 2003 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive protection - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense coverage - Med pay and PIP coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP is not available in all states but can be used in place of medical payments coverage.