Finding cheaper auto insurance by quoting online can be fast and easy, plus you will probably save money. The most important part is to compare as many rate quotes as possible so you can get the best prices.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of auto insurance companies competing for your business. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Premiums are calculated by...

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

• A clean driving record keeps rates low
• Your credit history
• Men typically pay more than women
• Low deductibles cost more
• Crash test rating for your 2005
• No claims lowers premiums
• Maintaining coverage lowers rates
• Home ownership saves money

One last important factor which can affect the rate you pay on your is the year of manufacture. New vehicles have a higher actual cash value so the cost to replace them will push premiums up. But more recent vehicles may have options including blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection so those may give discounted rates.

Liability coverages - This coverage will cover damage or injury you incur to other people or property that is your fault. 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 coverages - This will pay to fix damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. 2005 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from 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 auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.