There are many options when buying insurance for your vehicle. You can get prices from your neighborhood insurance agent or price shop online to compare pricing from multiple insurance companies. Finding cheaper car insurance on the web is simple to do and there is a good chance you will probably save money.

Finding the best direct price on car insurance can be a challenge if you have never used online quoting. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The recommended way to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Insurance rates for a 2003 can fluctuate considerably subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• Your age
• Being married can lower rates
• Extra coverages like towing and rental
• Your profession
• The amount of protection requested
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old cost less so repair costs tend to be lower which can decrease annual premiums. But newer models may have options including tire pressure monitors, active head restraints, and pedestrian detection which may provide discounts that lower premiums.

Liability car insurance - 2003 liability coverage protects you from damage that occurs to other people or property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision coverage - This pays for damage to your caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage. 2003 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive car insurance - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses - Med pay and PIP coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.