You have lots of choices when trying to insure your vehicle. You can either contact an agent or get quotes online to check prices from many different car insurance companies. Comparing car insurance through online rate quotes saves time, is easy to do and at the same time you can save money.

Using the web to shop for car insurance direct is challenging if you are a beginner to online quoting. Don't let that stop you because it's actually quite easy. There are several ways to compare quotes and find the best price. The quickest method to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What factors determine ?

Car insurance premiums for your 2003 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Your age
• Having a spouse can save money
• Special coverage such as replacement cost
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the payout to repair may end up costing you less. Although newer models may have safety features included like lane departure warning system, a telematics system, and adaptive headlights which may give discounted rates.

Auto liability

This protects you from damages or injuries you inflict on other's property or people. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage

This coverage pays for damage to your resulting from colliding with an object or car. A deductible applies 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 older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.