Finding cheaper auto insurance through online providers can be fast and easy and there is a good chance you might just save a little. The most important part is to take the time to get rates from as many companies as possible in order to accurately compare all possible prices.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Finding cheaper coverage prices is surprisingly easy. All you need to do is take the time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Auto insurance rates for your 2004 can vary widely depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating
• Your gender can raise or lower rates
• The deductible you choose
• Safety rating of your 2004
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so the cost to replace them can inflate annual premiums. But newer models may have a trim level with safety features including forward-collision avoidance, a telematics system, tire pressure monitors, and autonomous braking which can help offset higher rates.

Liability auto insurance

This coverage protects you from damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision protection

This pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.