Shopping for car insurance from online companies saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to get as many rate quotes as possible so you can compare all possible prices.

Comparing car insurance rates direct online can be a challenge if you are a beginner to online quoting. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The easiest way by far to find the lowest consists of shopping online. This can be accomplished by visiting this page.

Auto insurance rates for a 2005 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating impacts rates
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 2005
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor that will help determine is the model year. Older cars and trucks cost less in comparison to older models so repair costs tend to be lower which may end up costing you less. But more recent vehicles may have a trim level with safety features including forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive which may provide discounts that lower premiums.

Liability coverage

This will cover damage that occurs to other people or property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as high a limit as you can afford.

Collision protection

Collision coverage will pay to fix damage to your caused by collision with another car or object. A deductible applies 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. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.