You have many choices when attempting to insure your vehicle. You can either buy through an insurance agent or get quotes online to compare pricing from lots of different providers. Finding cheaper car insurance through online providers saves time, is easy to do, in addition you may find lower rates.

Finding the best direct price on car insurance can be complicated if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to compare rate quotes from car insurance companies in your area. The fastest way to find the lowest is to perform an online rate comparison. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Insurance premiums for your 2005 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Being married can lower rates
• Optional coverages like vehicle replacement
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new models so the payout to repair may end up costing you less. But new models have more advanced features including active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control so those may provide discounts that lower premiums.

Liability auto insurance

This provides protection from injuries or damage you cause to other's property or people that is your fault. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as much as you can afford.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time 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 coverage gives you protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.