Comparing auto insurance online can be fast and easy and at the same time you will probably save money. The most important part is to take the time to get as many rate quotes as possible in order to accurately compare every option.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies competing for your business. Finding a lower price on 2005 insurance is not rocket science. You just have to take a little time comparing rates provided by online insurance companies. This can be done by getting a quick quote here.

Which factors influence your insurance rates?

Insurance rates for a 2005 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Your location impacts rates
• How many miles you drive
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• No claims lowers premiums
• Having continuous coverage saves you money
• 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. Models that are new have a higher value so the cost to replace them can inflate annual premiums. Although newer vehicles may have options included like sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which can help offset higher rates.

Liability coverage

This coverage can cover damages or injuries you inflict on other people or property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverage

This coverage covers damage to your caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. 2005 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and may carry a deductible.