Finding cheaper auto insurance through online providers saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to accurately compare the lowest priced insurance.

Finding the best direct price on auto insurance can be difficult if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. Getting better is surprisingly easy. Just take time to get quotes online from several insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by these factors

Auto insurance rates for a 2004 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 2004
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so the costs to repair can inflate annual premiums. On the flip side, newer models may have a trim level with safety features like all-wheel drive, a telematics system, and autonomous braking which can help offset higher rates.

Liability auto insurance - This protects you from damage or injury you incur to other people or property that is your fault. 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.

Collision coverage - This pays for damage to your caused by collision 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. 2004 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance covers 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 auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance - Med pay and PIP coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states and may carry a deductible.