Shopping for auto insurance online is simple to do and there is a good chance you can save money. The critical component is to take the time to get rates from all companies so you can compare every possible rate.

Comparing auto insurance rates direct online can be a challenge if you have never used online quotes. But don't be discouraged because it's actually quite easy. Reducing your is not rocket science. All that's required is to spend a few minutes on the computer getting comparison quotes online with multiple companies. This is very easy and can be done by visiting this page.

Car insurance premiums on a 2004 can vary widely subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating
• Where you reside can make a big difference
• The number of annual miles
• Your gender can raise or lower rates
• Higher deductibles save money
• Safety rating of your 2004
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. A newer vehicle have a higher replacement value than older models so the payout to repair can inflate annual premiums. Conversely, newer models may have safety features such as forward-collision avoidance, tire pressure monitors, and autonomous braking which can provide discounts that lower premiums.

Liability coverage

2004 liability coverage protects you from damage that occurs to people or other property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision coverage protection

Collision coverage pays for damage to your resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2004 can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.