Buying car insurance by comparing rates online is easy and there is a good chance you might just save a little. The key is getting rates from all companies in order to have all possible prices.

People who are new to shopping for insurance may think shopping for low-cost 2005 insurance is going to be difficult. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The easiest way by far to compare is to get quotes online. This can be accomplished by comparing rates here.

Auto insurance rates on a 2005 can be significantly different based upon several criteria. Some of these factors include:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Safety rating of your 2005
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the cost to replace them will push premiums down. But newer vehicles may have a trim level with safety features including adaptive cruise control, lane departure warning system, and pedestrian detection that may help lower rates.

Auto liability insurance

Liability insurance can cover damage that occurs to people or other property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision protection

Collision insurance covers damage to your resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 2005 can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.