You have many choices when buying insurance for your vehicle. You can either buy through an agent or get quotes online to check prices from insurance providers. Buying auto insurance by comparing rates online saves time, is easy to do, in addition you can save money.

Shopping online for auto insurance can be complicated if you are a beginner to online rate quotes. But don't let that discourage you because it's actually quite easy. Finding lower can be quick and easy. You just have to spend a little time getting comparison quotes online from several insurance companies. This can be accomplished by completing this short form.

Criteria which help determine

Car insurance premiums for a 2003 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Multiple policies can save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your claim history
• Having continuous coverage saves you money
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so the costs to repair will push premiums up. Although new models may have safety features included like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection so those may give discounted rates.

Auto liability insurance - This provides protection from injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as much as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2003 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance kick in for bills such as ambulance fees, surgery, and doctor visits. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.