Shopping for auto insurance through online rate quotes saves time, is easy to do and there is a good chance 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 prices.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online rate quotes. Don't let that stop you because there is an easy way to compare rates. Cutting your can be surprisingly simple. Drivers just need to take a couple of minutes comparing rates online from several insurance companies. This is very easy and can be done by getting a quick quote here.

Insurance rates for your 2004 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• Male rates may be higher
• The deductible you choose
• Safety rating of your 2004
• No claims lowers premiums
• No coverage lapses saves money
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Models that are new have a higher replacement value so the costs to repair will push premiums up. Conversely, newer vehicles may have options such as an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may help offset higher rates.

Auto liability - This can cover damage that occurs to other's property or people by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as much as you can afford.

Collision - Collision coverage covers damage to your resulting from colliding with another car or object. 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 bring the cost down.

Comprehensive auto coverage - Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state and may carry a deductible.