Buying auto insurance through online rate quotes can be fast and easy, plus you will probably save money. The most important part is to compare rates from as many companies as possible so you can get all your choices.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites competing for your business. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes comparing rates provided by online insurance companies. This can be accomplished by completing this short form.

Rates are impacted by these factors

Insurance rates for your 2005 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Where you live
• High miles vs. low miles
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2005
• No claims lowers premiums
• No coverage lapses saves money
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. New vehicles cost more so the cost to replace them will push premiums up. Conversely, newer models may have options such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights so those may give discounted rates.

Auto liability

This coverage protects you from damage or injury you incur to other's property or people in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.