Comparing auto insurance through online providers can be fast and easy, plus you might just save a little. The most important part is to get rates from as many companies as possible so you can get the lowest rate quotes.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Lowering your is surprisingly easy. You just need to take a few minutes to get quotes provided by online insurance companies. This can be done by completing this short form.

Rates are determined by these factors

Auto insurance rates for your 2004 can fluctuate considerably depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your 2004
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor that can impact is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them may result in higher rates. But newer models may have a trim level with safety features including forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification which may give discounted rates.

Liability auto insurance

This coverage protects you from damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision insurance

This coverage pays for damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies 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. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are utilized in addition to your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.