Comparing auto insurance through online rate quotes is easy and at the same time you might just save a little. The key is to compare rates from all companies so you can compare all possible prices.

Beginners to comparison shopping may think buying low-cost 2005 insurance is going to be difficult. Finding cheaper coverage prices can be surprisingly simple. All you need to do is take the time to get quotes from different insurance companies. This can be done by visiting this page.

What factors impact the rate you pay?

Auto insurance rates on a 2005 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Men typically pay more than women
• Higher deductibles save money
• Your vehicle's safety rating
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so repair costs are higher which will push premiums up. But more recent vehicles may have a trim level with safety features including lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system so those may provide discounts that lower premiums.

Auto liability

Liability insurance will cover damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision protection

This coverage will pay to fix damage to your resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2005 can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

This gives you protection when the "other guys" are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.