Comparing auto insurance on the web is simple to do and at the same time you may find lower rates. The critical component is to compare rates from as many companies as possible in order to accurately compare every possible rate.

Using the web to shop for auto insurance direct is challenging if you have never used online rate quotes. Don't let that stop you because we're going to show you how. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer to compare quotes online with multiple companies. This can be done by getting a quick quote here.

What influences the rate you pay?

Insurance premiums for your 2004 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• Your location impacts rates
• High miles vs. low miles
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• Whether or not you have claims
• No coverage lapses saves money
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so the payout to repair will push premiums up. Conversely, newer vehicles have more advanced features such as a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system so those may help offset higher rates.

Liability car insurance

2004 liability coverage can cover damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage protection

This coverage covers damage to your resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.