Shopping for car insurance by comparing rates online is simple to do, plus you might just save a little. The critical component is getting rates from all providers in order to have the best prices.

Comparing car insurance rates direct online can be difficult if you have never used quoting online. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. One of the best ways to compare consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by these things

Auto insurance rates paid to insure a 2004 can be significantly different subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Better credit means lower rates
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2004
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the costs to repair can decrease annual premiums. But new models may have a trim level with safety features including forward-collision avoidance, adaptive cruise control, and active head restraints that may help lower rates.

Auto liability insurance - 2004 liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision coverages - Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive insurance - This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.