Shopping for auto insurance through online rate quotes is easy, plus you may find lower rates. The key is to take the time to get rates from as many companies as possible so you can get the best prices.

Consumers not familiar with buying insurance may think purchasing cut-rate 2004 insurance is going to be difficult. Finding a better price on auto insurance can be surprisingly simple. Consumers just need to spend a few minutes to compare quotes from different insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by these things

Insurance premiums for your 2004 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Low deductibles cost more
• Crash test rating for your 2004
• Whether or not you have claims
• No coverage lapses saves money
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so repair costs are higher which can inflate annual premiums. Conversely, new models have more advanced features such as autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights which can give discounted rates.

Auto liability - Liability insurance provides protection from damage or injury you incur to other's property or people by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy higher limits if possible.

Collision coverages - Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, 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 and PIP coverage - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.