You have lots of choices when attempting to insure your vehicle. You can buy direct from an agent or go online to check prices from lots of different providers. Buying car insurance through online providers can be fast and easy and at the same time you can save money.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of online companies offering insurance. There are several ways to compare quotes and find the best price. The fastest way to find competitive is to get quotes online. It is quite easy and can be accomplished by completing this short form.

Which factors influence the rate you pay?

Car insurance premiums paid to insure a 2005 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2005 vehicles cost more
• Your accident history
• Multiple policies can save money
• How you use your vehicle
• Your age
• Having a spouse can save money
• Special coverage such as replacement cost
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Older models have a reduced actual cash value than newer models so the costs to repair may result in lower rates. Although newer models may have safety features included like active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control so those may give discounted rates.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on a person or their property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical expense insurance

Med pay and PIP coverage pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.