Comparing auto insurance on the web can be fast and easy, in addition you might just save a little. The most important part is getting rates from all providers so you can compare the lowest priced insurance.

If you've never shopped for auto insurance online, you may be confused by the hoards of online companies vying for your business. Getting better isn't really that difficult. Just take time to get quotes provided by online insurance companies. This can be done by visiting this page.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2005 can be significantly different depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the cost to replace them may end up costing you more. But newer vehicles may have a trim level with safety features including dual-stage airbags, a telematics system, and pedestrian detection that may help provide discounts that lower premiums.

Liability car insurance - This coverage can cover injuries or damage you cause to a person or their property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision coverage - This coverage covers damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto insurance - This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. 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 bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.