There are many options when attempting to insure your vehicle. You can buy from a local agent or shop online to compare pricing from multiple companies. Finding cheaper car insurance online is easy and there is a good chance you might just save a little.

Consumers who are new to the process of shopping for insurance may think purchasing cut-rate 2003 insurance is very challenging. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The fastest way to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Auto insurance rates for your 2003 can vary widely based upon several criteria. Some of these factors include:

• The performance level of your 2003
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the payout to repair will push premiums down. But newer models may have a trim level with safety features including lane departure warning system, traction control, and autonomous braking which can provide discounts that lower premiums.

Liability coverage

Liability insurance protects you from damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying higher limits if possible.

Auto collision coverage

This pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it 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 OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not available in all states but can be used in place of medical payments coverage.