Drivers have lots of options when buying insurance for your vehicle. You can buy from a local agent or go online to compare insurance costs of many different companies. Comparing car insurance from online companies can be fast and easy, plus you might just save a little.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The recommended way to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by these factors

Auto insurance rates for your 2005 will vary greatly depending on several factors. Including but not limited to:

  • Higher performance 2005 vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • What you do for a living
  • Insurance coverage level
  • Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so the payout to repair may result in lower rates. Although newer models may have a trim level with safety features included like lane departure warning system, dual-stage airbags, and pedestrian detection so those may help offset higher rates.

Liability coverage - This coverage protects you from damage or injury you incur to other's property or people. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage - This coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage 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 payments coverage and PIP - Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not available in all states and may carry a deductible.