Buying car insurance on the web can be fast and easy and at the same time you will probably save money. The most important part is to get rates from all companies in order to accurately compare all your choices.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. The fastest way to find the cheapest is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence ?

Insurance rates on a 2004 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Where you live
• The number of annual miles
• Your gender can raise or lower rates
• The deductible you choose
• Your vehicle's safety rating
• Your profession
• The level of coverage
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a reduced actual cash value so the cost to replace them may result in lower rates. Conversely, newer models may have options such as automatic crash notification, anti-lock brakes, and a backup camera which may help offset higher rates.

Liability car insurance

This coverage protects you from damages or injuries you inflict on people or other property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Auto collision coverage

Collision insurance pays for damage to your resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in. Collision coverage for your 2004 can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive car insurance

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. Personal Injury Protection is not available in all states and may carry a deductible.