You have lots of choices when comparing insurance rates on your vehicle. You can either contact an insurance agent or get quotes online to compare rates from insurance providers. Comparing auto insurance by comparing rates online saves time, is easy to do and at the same time you may find lower rates.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quotes. But don't be discouraged because we're going to show you how. Finding a better price on auto insurance can be quick and easy. Consumers just need to spend a few minutes to compare quotes online from several insurance companies. This can be done by comparing rates here.

What factors determine your insurance rates?

Insurance premiums on a 2005 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Whether or not you have claims
• No coverage lapses saves money
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older models so the costs to repair can inflate annual premiums. Conversely, newer models have more advanced features such as forward-collision avoidance, adaptive cruise control, and active head restraints which can lower rates.

Auto liability insurance - This protects you from damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Collision coverages - This coverage pays for damage to your resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2005 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive insurance - This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the 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. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.