Comparing auto insurance on the web is simple to do and at the same time you can save money. The critical component is to compare rates from as many companies as possible in order to have the lowest prices.

Using the web to shop for auto insurance direct is challenging if you have never used online rate quotes. Don't let that stop you because it's actually quite easy. Cutting your isn't really that difficult. Drivers just need to take a couple of minutes getting comparison quotes online with multiple companies. This can be done by comparing rates here.

What influences the rate you pay?

Car insurance premiums for your 2004 will vary greatly subject to many criteria. Taken into consideration are:

  • Traffic citations increase rates
  • Your credit history
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your claim history
  • Having continuous coverage saves you money
  • Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so the payout to repair will push premiums up. Although more recent vehicles may have safety features included like pedestrian detection, active head restraints, and a backup camera so those may lower rates.

Liability car insurance - 2004 liability coverage will cover damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision - This coverage will pay to fix damage to your resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive auto insurance - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - This protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Because many people 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 a good idea.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.