Comparing car insurance by comparing rates online can be fast and easy and at the same time you will probably save money. The most important part is to compare rates from all companies so you can get all your choices.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways to compare rate quotes from local car insurance companies. The fastest way to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

Which factors influence the rate you pay?

Insurance rates on a 2005 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• Your location impacts rates
• The number of annual miles
• Male drivers pay higher rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your profession
• Your coverage level
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so the cost to replace them may result in lower rates. On the flip side, new models may have options like a backup camera, dual-stage airbags, and an advanced theft deterrent system so those may give discounted rates.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as much as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2005 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.