Comparing auto insurance through online companies can be fast and easy and there is a good chance you might just save a little. The most important part is to compare rates from all companies so you can get the lowest priced insurance.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of companies vying for your business. Getting better is not a difficult process. Just take time to get quotes provided by online insurance companies. This can be done by completing this short form.

Auto insurance rates on a 2005 will vary greatly depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Your credit history
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2005
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them will push premiums up. Although new models may have a trim level with safety features included like tire pressure monitors, traction control, and adaptive cruise control so those may give discounted rates.

Coverage for liability - This coverage provides protection from damage that occurs to people or other property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to 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. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.