You have lots of choices when trying to insure your vehicle. You can buy from a local agent or go online to compare pricing from companies. Shopping for car insurance by quoting online can be fast and easy and at the same time you might just save a little.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The quickest method to find the lowest consists of shopping online. It is quite easy and can be accomplished by visiting this page.

Which factors influence the rate you pay?

Auto insurance rates on a 2003 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2003 vehicles cost more
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the cost to replace them may result in lower rates. But newer vehicles may have a trim level with safety features including traction control, active head restraints, a backup camera, and an advanced theft deterrent system so those may provide discounts that lower premiums.

Liability coverages

This coverage can cover damages or injuries you inflict on people or other property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage

Collision coverage covers damage to your resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2003 can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.