Comparing auto insurance by comparing rates online can be fast and easy, in addition you might just save a little. The most important part is to compare rates from as many companies as possible in order to accurately compare every possible rate.

If you've never shopped for auto insurance online, you may be confused by the hoards of online auto insurance companies and websites vying for your business. Reducing your can be quick and easy. All that's required is to spend a few minutes on the computer to get quotes provided by online insurance companies. This can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 2005 will vary greatly depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Your credit history
• Your location impacts rates
• High miles vs. low miles
• Your gender can raise or lower rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the cost to replace them will push premiums up. Although newer models may have a trim level with safety features included like a collision avoidance system, all-wheel drive, a telematics system, and tire pressure monitors so those may help offset higher rates.

Auto liability insurance

This coverage protects you from injuries or damage you cause to other's property or people. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage protection

This coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. 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 insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This 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.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). 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.