Comparing auto insurance from online rate quotes saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to compare rates from as many companies as possible so you can compare the lowest prices.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online rate quotes. Don't let that stop you because comparing prices is actually very simple. Cutting your doesn't have to be difficult. Drivers just need to take a couple of minutes to get quotes online from several insurance companies. This can be done by visiting this page.

Rates are determined by...

Auto insurance rates for your 2005 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Men typically pay more than women
• Higher deductibles save money
• Crash test rating for your 2005
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the costs to repair will push premiums up. On the flip side, more recent vehicles may have a trim level with safety features like an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system so those may provide discounts that lower premiums.

Liability insurance - This will cover damage or injury you incur to other's property or people. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as much as you can afford.

Collision - This coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. 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 vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive protection - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP coverage is only offered in select states but can be used in place of medical payments coverage.