Drivers have lots of options when buying insurance for your vehicle. You can buy direct from an agent or get quotes online to check prices from a lot of car insurance companies. Buying car insurance through online companies saves time, is easy to do, plus you can save money.

Shopping online for car insurance can be difficult if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. There are several ways to compare rate quotes from car insurance companies in your area. The recommended way to find competitive is to get quotes online. This can be done by completing this short form.

Rates are impacted by these things

Car insurance premiums on a 2003 can be significantly different and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• How many accidents you have had
• Multiple policies can save money
• Pleasure use vs. commuting use
• Mature drivers pay less
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Older models have a lower value than newer models so the cost to replace them may end up costing you less. But new models may have safety features including adaptive cruise control, pedestrian detection, and lane departure warning system that may help give discounted rates.

Coverage for liability - This provides protection from damage or injury you incur to people or other property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must 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 older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.