Shopping for car insurance through online rate quotes saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to take the time to get as many rate quotes as possible so you can compare all your choices.

Comparing car insurance rates direct online is challenging if you are a beginner to online quotes. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The fastest way to find the lowest consists of shopping online. It is quite easy and can be accomplished by visiting this page.

What factors determine your insurance rates?

Insurance rates for a 2005 can vary widely and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating
• Where you reside can make a big difference
• How many miles you drive
• Male drivers pay higher rates
• Higher deductibles save money
• Your vehicle's safety rating
• Your profession
• The amount of protection requested
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a reduced actual cash value so repair costs tend to be lower which may end up costing you less. But new models may have options including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which can provide discounts that lower premiums.

Auto liability

This provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2005 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.