Comparing auto insurance from online companies saves time, is easy to do and at the same time you can save money. The key to finding lower rates is to get rates from as many companies as possible in order to accurately compare all possible prices.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quoting. Don't let that stop you because it's actually quite easy. Finding cheaper coverage prices is actually quite simple. All you need to do is take the time getting comparison quotes online from several insurance companies. This can be done by getting a quick quote here.

What factors determine ?

Car insurance premiums for your 2005 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• Male drivers pay higher rates
• The deductible you choose
• Your vehicle's safety rating
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the costs to repair may result in higher rates. Conversely, new models may have safety features such as forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive which may help offset higher rates.

Liability coverage

This provides protection from damages or injuries you inflict on other's property or people. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies 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 older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. PIP coverage is not universally available and may carry a deductible.