You have many choices when insurance shopping for your vehicle. You can buy direct from an insurance agent or price shop online to check prices from car insurance companies. Buying car insurance from online rate quotes is simple to do, in addition you may find lower rates.

Shopping online for car insurance can be complicated if you have never used quoting online. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. The easiest way to find competitive is to get quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine insurance rates

Insurance premiums on a 2003 can be significantly different subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• How many accidents you have had
• Multiple policies can save money
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your job
• The level of coverage
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new models so the cost to replace them can decrease annual premiums. Conversely, more recent vehicles have more advanced features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system that may help give discounted rates.

Liability insurance - 2003 liability coverage will cover injuries or damage you cause to people or other property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision - Collision insurance will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2003 can be pricey, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive protection - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM Coverage - This coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.