Shopping for auto insurance through online rate quotes is easy and at the same time you might just save a little. The key is to get rates from all companies in order to have the lowest priced insurance.

Consumers not familiar with comparison shopping may think finding low-cost 2005 insurance is going to be difficult. Getting better can be surprisingly simple. Just take time to get quotes from different insurance companies. This is very easy and can be done by comparing rates here.

What factors impact ?

Auto insurance rates on a 2005 can fluctuate considerably based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating impacts rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Claims drive up premiums
• No coverage lapses saves money
• Whether you rent or own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so repair costs are higher which may result in higher rates. Conversely, more recent vehicles may have a trim level with safety features such as an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors which may lower rates.

Auto liability - Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2005 can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage - This coverage pays for 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 most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

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). They are often used in conjunction with a health insurance program or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.