Buying auto insurance by quoting online can be fast and easy, in addition you can save money. The most important part is to compare rates from as many companies as possible in order to have the lowest rate quotes.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online auto insurance companies and websites offering insurance. Lowering your is a fairly straight forward process. You just need to take a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine your insurance rates

Car insurance premiums for your 2004 will vary greatly depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Your credit history
  • Male rates may be higher
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Your claim history
  • Having continuous coverage saves you money
  • Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so the cost to replace them will push premiums up. Although newer vehicles may have safety features included like lane departure warning system, anti-lock brakes, and adaptive headlights so those may lower rates.

Liability coverages

This coverage can cover injuries or damage you cause to other's property or people in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision insurance

Collision insurance covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for bills such as ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.