You have lots of choices when shopping for car insurance for your vehicle. You can either buy through an agent or go online to compare insurance costs of multiple insurance companies. Comparing car insurance on the web can be fast and easy and at the same time you can save money.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites offering insurance. There are several ways of comparing rates from car insurance companies in your area. By far the easiest way to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence ?

Car insurance premiums for your 2005 can fluctuate considerably depending on several factors. Taken into consideration are:

• Higher performance 2005 vehicles cost more
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Your birth date
• Being married may save money
• Special coverage such as replacement cost
• Your occupation
• The amount of protection requested
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the payout to repair may result in lower rates. But newer vehicles may have safety features including a telematics system, blind-spot warning system, and sideview assist mirrors which may help offset higher rates.

Liability car insurance

This coverage can cover damages or injuries you inflict on other's property or people. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as high a limit as you can afford.

Collision insurance

This coverage covers damage to your resulting from colliding with an object or car. A deductible applies 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 older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim 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.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and may carry a deductible.