Drivers have lots of options when attempting to insure your vehicle. You can either buy through a local agent or get quotes online to compare pricing from insurance providers. Shopping for car insurance by comparing rates online saves time, is easy to do, plus you might just save a little.

Comparing car insurance rates direct online can be difficult if you are a beginner to online quotes. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The fastest way to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by these factors

Auto insurance rates for your 2005 can vary widely and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Any accidents you may have
  • Whether you insure your home with the same company
  • 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 will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the payout to repair may end up costing you less. Conversely, newer models may have a trim level with safety features such as a backup camera, dual-stage airbags, and an advanced theft deterrent system which can provide discounts that lower premiums.

Auto liability insurance

This protects you from damage or injury you incur to other's property or people by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your 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 cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in 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 you do not have health coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.