You have lots of choices when trying to find low-cost insurance for your vehicle. You can buy direct from an agent or go online to compare rates from many different companies. Shopping for car insurance from online companies can be fast and easy and at the same time you can save money.

If shopping for car insurance online is new to you, 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 different insurance companies. The simplest method to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

Which factors influence car insurance premiums?

Car insurance premiums for your 2005 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 2005 vehicles cost more
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your occupation
• The level of coverage
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so the payout to repair may result in lower rates. Conversely, newer vehicles may have safety features such as autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system that may help lower rates.

Liability coverage

This coverage can cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Coverage for collisions

Collision coverage covers damage to your resulting from colliding with an object or car. You first must 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 older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.