Shopping for car insurance by getting online quotes is simple to do, plus you can save money. The critical component is to take the time to get rates from all providers in order to have all possible prices.

Comparing car insurance rates direct online can be difficult if you have never used online quotes. But relax because it's actually quite easy. There are several ways to compare quotes from local car insurance companies. The easiest way by far to compare consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by these factors

Car insurance premiums paid to insure a 2005 can vary widely subject to many criteria. Including but not limited to:

  • Traffic citations increase rates
  • Credit rating
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your 2005
  • Your occupation
  • Your coverage level
  • Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so the costs to repair can decrease annual premiums. On the flip side, newer models may have safety features like traction control, adaptive headlights, and automatic crash notification which can lower rates.


2005 liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision protection

Collision coverage pays for damage to your from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.