Shopping for auto insurance through online companies is simple to do and there is a good chance you may find lower rates. The critical component is to compare rates from all providers so you can get the lowest priced insurance.

Comparing auto insurance rates direct online can be a challenge if you have never used online rate quotes. But relax because we're going to show you how. Getting better is not a difficult process. Just take time to compare quotes online with multiple companies. This is very easy and can be done by completing this short form.

Insurance premiums paid to insure a 2004 will vary greatly subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Your credit history
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 2004
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

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 the payout to repair will push premiums up. But newer models have more advanced features including tire pressure monitors, traction control, and adaptive cruise control so those may give discounted rates.

Coverage for liability - 2004 liability coverage protects you from damage that occurs to a person or their property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy as much as you can afford.

Collision coverage - Collision coverage pays for damage to your from colliding with another car or object. You have to 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 lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments - Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.