Shopping for car insurance by comparing rates online is simple to do and at the same time you may find lower rates. The critical component is getting rates from as many companies as possible in order to have the best prices.

Comparing car insurance rates direct online is challenging if you have never used quoting online. Don't let that stop you because we're going to show you how. The are a couple different ways to compare quotes from different insurance companies. One of the best ways to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

What influences car insurance premiums?

Insurance premiums for your 2005 can be significantly different subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Better credit means lower rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your job
• The level of coverage
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new models so the payout to repair can decrease annual premiums. Conversely, newer models have more advanced features such as forward-collision avoidance, adaptive cruise control, and active head restraints that may help lower rates.

Auto liability insurance - 2005 liability coverage protects you from damages or injuries you inflict on other's property or people by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverages - Collision coverage pays for damage to your resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.