You have lots of choices when insurance shopping for your vehicle. You can get prices from a local agent or price shop online to compare insurance costs of car insurance companies. Comparing car insurance from online rate quotes is simple to do and at the same time you might just save a little.

Using the web to shop for car insurance direct is challenging if you have never used online rate quotes. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The easiest way to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What influences the rate you pay?

Auto insurance rates for a 2005 will vary greatly subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• Use of your vehicle
• Special coverage such as replacement cost
• What you do for a living
• Insurance coverage level
• Whether you rent or own your home

A final factor that can impact is the model year. Used vehicles have a reduced actual cash value in comparison to older models so repair costs tend to be lower which can decrease annual premiums. Although newer models may have a trim level with safety features included like an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system so those may help offset higher rates.

Liability insurance - 2005 liability coverage protects you from damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision - This coverage pays for damage to your caused by collision with an object or car. 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 vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive protection - Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - This provides protection from other motorists when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage - Med pay and PIP coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be 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 available in all states and may carry a deductible.