Shopping for auto insurance from online rate quotes can be fast and easy and at the same time you might just save a little. The most important part is getting rates from all companies so you can compare the best prices.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of companies vying for your business. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes to get quotes provided by online insurance companies. This is very easy and can be done by visiting this page.

Which factors influence car insurance premiums?

Auto insurance rates on a 2005 can be significantly different depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Your gender can raise or lower rates
  • 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 will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the cost to replace them may end up costing you more. But newer models may have a trim level with safety features including a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system that may help provide discounts that lower premiums.

Liability insurance - This coverage protects you from damages or injuries you inflict on people or other property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverages - Collision coverage pays for damage to your resulting from a collision with an object or car. You first must 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 older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive protection - This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage - This gives you protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage - Med pay and PIP coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.