Comparing car insurance online can be fast and easy, plus you will probably save money. The most important part is to compare rates from as many companies as possible so you can compare all possible prices.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites competing for your business. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The easiest way by far to find the lowest involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by the following

Insurance rates for your 2005 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• Crash test rating for your 2005
• Your profession
• The amount of protection requested
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a lower value so the payout to repair may result in lower rates. But newer vehicles may have options including forward-collision avoidance, sideview assist mirrors, and all-wheel drive so those may provide discounts that lower premiums.

Liability coverage

This coverage can 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. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision protection

This coverage covers damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people 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 is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.