There are many options when buying insurance for your vehicle. You can buy from an agent or go online to compare rates from lots of different providers. Shopping for auto insurance through online providers can be fast and easy and there is a good chance you can save money.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of auto insurance companies offering insurance. Finding lower is surprisingly easy. You just have to spend a little time getting comparison quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Car insurance premiums for a 2003 can be significantly different depending on several factors. Some of these factors include:

  • Higher performance 2003 vehicles cost more
  • How many accidents you have had
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Mature drivers pay less
  • Whether you are married
  • Extra coverages like towing and rental
  • Your claim history
  • Having current coverage saves
  • Whether you own your home

An additional factor that will help determine is the year of the vehicle. Newer models have a higher replacement value than older models so the cost to replace them may end up costing you more. On the flip side, new models may have safety features like active head restraints, an advanced theft deterrent system, and lane departure warning system that may help lower rates.

Liability auto insurance - This coverage provides protection from damage that occurs to other people or property by causing an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in. 2003 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the ACV or actual cash value, 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. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.