Comparing car insurance from online companies is easy and at the same time you will probably save money. The key is getting rates from as many companies as possible in order to accurately compare the best prices.

Beginners to comparison shopping may think shopping for cut-rate 2005 insurance can be quite difficult. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. One of the best ways to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact car insurance premiums?

Insurance rates for your 2005 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Your profession
• The amount of protection requested
• 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 payout to repair will push premiums down. But more recent vehicles may have options including autonomous braking, dual-stage airbags, and sideview assist mirrors that may help help offset higher rates.

Liability coverage - Liability insurance will cover damages or injuries you inflict on other's property or people. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision coverages - This coverage will pay to fix damage to your resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - This provides protection when the "other guys" are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states and may carry a deductible.