Drivers have lots of options when shopping for insurance coverage for your vehicle. You can get prices from a local agent or shop online to compare pricing from insurance providers. Comparing auto insurance by comparing rates online is easy, plus you might just save a little.

Beginners to buying insurance may think shopping for cut-rate 2003 insurance is going to be difficult. Getting better can be quick and easy. Just take time to get quotes from different insurance companies. This can be done by visiting this page.

Rates are determined by these things

Auto insurance rates for your 2003 can be significantly different based upon several criteria. Including but not limited to:

  • The performance level of your 2003
  • How many accidents you have had
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Home ownership saves money

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so repair costs are higher which may end up costing you more. But new models may have a trim level with safety features including anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights that may help provide discounts that lower premiums.

Auto liability insurance - Liability insurance provides protection from damage or injury you incur to other's property or people. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage - This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not universally available but can be used in place of medical payments coverage.