Buying car insurance through online companies can be fast and easy, plus you might just save a little. The most important part is to get rates from as many companies as possible in order to accurately compare the lowest prices.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The easiest way to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by the following

Auto insurance rates for your 2004 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Male rates may be higher
• The deductible you choose
• Crash test rating for your 2004
• What you do for a living
• Insurance coverage level
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the payout to repair may result in lower rates. Although newer vehicles may have a trim level with safety features included like a rollover prevention system, forward-collision avoidance, and dual-stage airbags which may help offset higher rates.

Coverage for liability - This coverage can cover damage or injury you incur to other's property or people in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision - Collision insurance covers damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies 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 vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments - Coverage for medical payments and/or PIP pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not an option in every state and may carry a deductible.