Shopping for auto insurance by quoting online is easy and at the same time you may find lower rates. The key is to compare as many rate quotes as possible in order to have every possible rate.

Consumers not familiar with comparison shopping may think buying cheap 2005 insurance is hard. Reducing your is a fairly straight forward process. All that's required is to spend a few minutes on the computer to compare quotes from different insurance companies. This is very easy and can be done by comparing rates here.

What factors impact the rate you pay?

Insurance premiums for a 2005 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• Your credit history
• Where you reside can make a big difference
• How many miles you drive
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Whether or not you have claims
• No coverage lapses saves money
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so repair costs are higher which will push premiums up. Conversely, more recent vehicles have more advanced features such as dual-stage airbags, sideview assist mirrors, and active head restraints so those may lower rates.

Liability coverages

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. 2005 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.