You have many choices when insurance shopping for your vehicle. You can either contact an insurance agent or price shop online to compare rates from many different car insurance companies. Shopping for car insurance through online rate quotes is simple to do, in addition you may find lower rates.

Comparing car insurance rates direct online can be complicated if you have never used online rate quotes. But don't let that discourage you because we're going to show you how. The are a couple different ways of comparing rates and find the best price. The easiest way to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance premiums for a 2005 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Whether you insure your home with the same company
• Use of your vehicle
• Your birth date
• Whether you are married
• Optional coverages like vehicle replacement
• Your job
• Insurance coverage level
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new models so repair costs tend to be lower which can decrease annual premiums. Although newer vehicles have more advanced features included like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may lower rates.

Auto liability - 2005 liability coverage can cover injuries or damage you cause to other people or property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision - Collision coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 2005 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive auto coverage - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP reimburse you for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.