Buying car insurance on the web is easy, plus you might just save a little. The key is to take the time to get rates from as many companies as possible so you can compare the lowest prices.

People who are new to buying insurance may think purchasing cut-rate 2005 insurance is not very easy. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The easiest way to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by these things

Auto insurance rates for your 2005 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Higher deductibles save money
• Crash test rating for your 2005
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the payout to repair will push premiums down. But new models may have a trim level with safety features including pedestrian detection, active head restraints, and a backup camera which can provide discounts that lower premiums.

Liability car insurance - Liability insurance provides protection from damage or injury you incur to other's property or people in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision - Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive car insurance - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not universally available but can be used in place of medical payments coverage.