Shopping for car insurance by getting online quotes saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is to get rates from all providers so you can compare the best prices.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online quoting. But relax because it's actually quite easy. There are several ways to get quotes from car insurance companies in your area. One of the best ways to find the lowest consists of shopping online. This can be accomplished by visiting this page.

Car insurance premiums paid to insure a 2005 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating impacts rates
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 2005
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks cost less than newer models so the costs to repair may end up costing you less. But more recent vehicles may have safety features including pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification which may provide discounts that lower premiums.

Liability - This will cover damage that occurs to a person or their property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverages - Collision coverage will pay to fix damage to your from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.