Comparing auto insurance from online rate quotes saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to compare rates from as many companies as possible in order to accurately compare the cheapest rate quotes.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online rate quotes. Don't let that stop you because we're going to show you how. Finding lower doesn't have to be difficult. You just have to spend a little time to compare quotes online from several insurance companies. This can be done by getting a quick quote here.

What factors determine the rate you pay?

Insurance premiums for your 2005 will vary greatly and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so the costs to repair will push premiums up. Although newer vehicles have more advanced features included like adaptive cruise control, anti-lock brakes, and active head restraints so those may help offset higher rates.

Liability insurance - This can cover damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as much as you can afford.

Collision coverage - This coverage covers damage to your resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive protection - Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This provides protection from other motorists when they either are underinsured or have no liability coverage at all. 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 - Coverage for medical payments and/or PIP kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP coverage is not an option in every state and may carry a deductible.