Buying auto insurance by getting online quotes saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is getting as many rate quotes as possible in order to accurately compare the best prices.

Shopping online for auto insurance is challenging if you are a beginner to quoting online. But don't let that discourage you because comparing prices is actually very simple. Finding a better price on auto insurance can be relatively painless. Consumers just need to spend a few minutes to get quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

What factors determine car insurance premiums?

Auto insurance rates for a 2005 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the costs to repair may end up costing you more. On the flip side, more recent vehicles may have a trim level with safety features like pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification that may help help offset higher rates.

Liability - This will cover damages or injuries you inflict on other people or property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision coverages - Collision insurance will pay to fix damage to your caused by collision with an object or car. 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 older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest 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 not worth carrying full coverage.

Uninsured and underinsured coverage - This provides protection when other motorists are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states and may carry a deductible.