Comparing car insurance online saves time, is easy to do, plus you will probably save money. The key to finding lower rates is to compare rates from as many companies as possible in order to accurately compare the lowest rate quotes.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online rate quotes. 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 local car insurance companies. By far the easiest way to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by...

Insurance rates for your 2004 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2004
• Your profession
• Your coverage level
• Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a lower value so the payout to repair may end up costing you less. On the flip side, more recent vehicles may have options like pedestrian detection, dual-stage airbags, and blind-spot warning system so those may help offset higher rates.

Liability coverage

This will cover damage or injury you incur to other's property or people. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so purchase as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You have to 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 get cheaper .

Comprehensive coverage

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 maximum 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.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

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 plan or if you lack health insurance entirely. PIP coverage is only offered in select states and may carry a deductible.