Buying car insurance through online companies saves time, is easy to do, plus you will probably save money. The key to finding lower rates is getting rates from as many companies as possible in order to accurately compare all your choices.

Shopping online for car insurance can be difficult if you are a beginner to quoting online. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The fastest way to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by...

Insurance rates for your 2005 can be significantly different and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Better credit means lower rates
• Where you live
• High miles vs. low miles
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2005
• Your profession
• The amount of protection requested
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a lower value so the payout to repair may end up costing you less. But more recent vehicles may have options including pedestrian detection, a collision avoidance system, and adaptive headlights that may help help offset higher rates.

Coverage for liability

This will cover damage or injury you incur to other's property or people in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision insurance will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a 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 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states and may carry a deductible.