There are many options when trying to insure your vehicle. You can either buy through an agent or shop online to compare insurance costs of companies. Buying auto insurance by quoting online is easy and there is a good chance you can save money.

People who are new to shopping for insurance may think purchasing cut-rate 2003 insurance is hard. Finding a lower price on 2003 insurance is a fairly straight forward process. You just have to take a little time getting comparison quotes from different insurance companies. This can be accomplished by getting a quick quote here.

Car insurance premiums 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
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Models that are new cost more than older models so repair costs are higher which can inflate annual premiums. But newer vehicles may have safety features including traction control, active head restraints, a backup camera, and an advanced theft deterrent system which can help offset higher rates.

Liability coverages

Liability insurance can cover damage that occurs to other's property or people in an accident. 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 you should buy higher limits if possible.

Collision coverage

Collision insurance covers 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 older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state and may carry a deductible.