Buying car insurance from online companies saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is getting as many rate quotes as possible in order to have every company's rates.

Shopping online for car insurance can be a challenge if you are a beginner to quoting online. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The simplest method to compare is to get quotes online. This can be accomplished by comparing rates here.

Insurance rates for a 2005 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Where you live
• How many miles you drive
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Safety rating of your 2005
• Your profession
• The amount of protection requested
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models cost less so repair costs tend to be lower which may end up costing you less. But newer models may have options including autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system that may help lower rates.

Liability coverage

This protects you from damage that occurs to other people or property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as large an amount as possible.

Coverage for collisions

Collision insurance pays for damage to your caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2005 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. 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.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.