Drivers have lots of options when attempting to insure your vehicle. You can either contact a local agent or go online to compare insurance costs of companies. Comparing car insurance by quoting online can be fast and easy, plus you might just save a little.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The fastest way to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by the following

Auto insurance rates for your 2005 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 2005 vehicles cost more
• Your accident history
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so the payout to repair may result in lower rates. Conversely, newer vehicles may have a trim level with safety features such as adaptive headlights, anti-lock brakes, traction control, and a telematics system so those may help offset higher rates.

Liability coverages

This coverage can cover damage or injury you incur to other's property or people. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as much as you can afford.

Auto collision coverage

This coverage covers damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is not an option in every state and may carry a deductible.