Buying car insurance by quoting online can be fast and easy and there is a good chance you may find lower rates. The most important part is to take the time to get rates from all providers in order to have every possible rate.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of online companies selling insurance. The are a couple different ways to compare quotes from different insurance companies. The best way to compare is to get quotes online. This can be accomplished by comparing rates here.

Insurance premiums paid to insure a 2004 can vary widely depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating
• Where you live
• Annual mileage can affect rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Safety rating of your 2004
• Your job
• The level of coverage
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new models so the costs to repair may result in lower rates. Conversely, newer models have more advanced features such as dual-stage airbags, sideview assist mirrors, and active head restraints which can lower rates.

Liability coverages

This coverage protects you from damage that occurs to a person or their property in an accident. 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 buy higher limits if possible.

Collision coverage protection

Collision insurance pays for damage to your from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay.