Buying auto insurance on the web can be fast and easy, plus you may find lower rates. The most important part is to compare as many rate quotes as possible in order to have the lowest rate quotes.

If you're new to shopping for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies selling insurance. Lowering your isn't really that difficult. You just need to take a few minutes to compare quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Rates are impacted by the following

Insurance premiums for a 2004 will vary greatly depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Your credit history
• Male rates may be higher
• Deductible amount directly impacts your rate
• Crash test rating for your 2004
• Whether or not you have claims
• Maintaining coverage lowers rates
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the cost to replace them will push premiums up. But newer vehicles have more advanced features including a telematics system, blind-spot warning system, and sideview assist mirrors so those may lower rates.

Liability car insurance

This coverage can cover damage or injury you incur to other people or property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as much as you can afford.

Collision insurance

Collision insurance covers damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. 2004 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.