Drivers have lots of options when insurance shopping for your vehicle. You can buy from an insurance agent or get quotes online to compare insurance costs of car insurance companies. Comparing car insurance from online rate quotes saves time, is easy to do, plus you may find lower rates.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to get quotes from car insurance companies in your area. The easiest way to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by...

Insurance premiums for your 2003 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new models so the payout to repair may end up costing you less. But more recent vehicles have more advanced features including an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system so those may help offset higher rates.

Liability insurance - This will cover damage or injury you incur to other's property or people. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Collision - This coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive protection - Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.