You have lots of choices when shopping for car insurance for your vehicle. You can buy direct from a local agent or price shop online to compare rates from many different car insurance companies. Shopping for car insurance through online rate quotes is simple to do and at the same time you might just save a little.

Comparing car insurance rates direct online is challenging if you have never used online rate quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. By far the easiest way to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

What influences the rate you pay?

Auto insurance rates on a 2005 will vary greatly subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Young drivers cost more
• Whether you are married
• Special coverage such as replacement cost
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor that will help determine is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the cost to replace them can decrease annual premiums. Conversely, more recent vehicles may have a trim level with safety features such as adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance so those may lower rates.

Auto liability

2005 liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision insurance

Collision coverage will pay to fix damage to your resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2005 can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum 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 it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

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.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used in conjunction with a health insurance plan or if you do not have health coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.