There are many options when comparing insurance rates on your vehicle. You can buy from a local agent or price shop online to compare rates from companies. Shopping for auto insurance by quoting online is simple to do and there is a good chance you might just save a little.

Comparing auto insurance rates direct online can be a challenge if you have never used online quotes. Don't let that stop you because comparing prices is actually very simple. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes to get quotes online with multiple companies. This is very easy and can be done by comparing rates here.

Auto insurance rates for your 2003 can vary widely subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Claims drive up premiums
• Having current coverage saves
• Whether you own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the payout to repair can inflate annual premiums. On the flip side, newer models may have a trim level with safety features like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which can lower rates.

Liability coverages - 2003 liability coverage protects you from damage that occurs to other's property or people by causing an accident. 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 consider buying higher limits if possible.

Collision coverages - Collision coverage pays for damage to your resulting from colliding with another car or object. You will need to pay your 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. You can also bump up the deductible to get cheaper .

Comprehensive coverages - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical payments - Med pay and PIP coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.