There are many options when buying insurance for your vehicle. You can buy from an insurance agent or get quotes online to compare rates from lots of different providers. Finding cheaper auto insurance through online providers saves time, is easy to do and there is a good chance you may find lower rates.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. Finding lower is surprisingly easy. You just have to spend a little time to compare quotes online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

Insurance premiums on a 2003 will vary greatly and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Mature drivers pay less
• Whether you are married
• Extra coverages like towing and rental
• Whether or not you have claims
• Having current coverage saves
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older models so the costs to repair will push premiums up. On the flip side, new models have more advanced features like active head restraints, an advanced theft deterrent system, and lane departure warning system so those may lower rates.

Liability auto insurance - This provides protection from damage that occurs to people or other property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Collision coverage - This pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2003 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive (Other than Collision) - This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. PIP coverage is not universally available and gives slightly broader coverage than med pay.