There are many options when trying to insure your vehicle. You can either buy through an agent or get quotes online to compare pricing from multiple companies. Comparing car insurance online saves time, is easy to do and there is a good chance you can save money.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online rate quotes. But relax because it's actually quite easy. There are several ways to compare quotes from different insurance companies. The quickest method to find the lowest involves getting comparison quotes online. This can be accomplished by visiting this page.

Car insurance premiums paid to insure a 2003 will vary greatly and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Your accident history
  • Home and auto can earn discounts
  • How you use your vehicle
  • Extra coverages like towing and rental
  • Your occupation
  • The level of coverage
  • Whether you own your home

An additional factor that can impact is the year of the vehicle. Used vehicles cost less than newer models so the costs to repair may end up costing you less. Conversely, newer models may have safety features such as sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors so those may provide discounts that lower premiums.

Liability coverage

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

Collision coverage

This coverage pays for damage to your from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.