Shopping for car insurance by comparing rates online can be fast and easy and at the same time you may find lower rates. The most important part is getting as many rate quotes as possible in order to accurately compare the lowest priced insurance.

If shopping for car insurance online is new to you, it's easy to be confused by the hoards of car insurance companies selling insurance. The are a couple different ways to get quotes and find the best price. The best method to find the cheapest consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence car insurance premiums?

Insurance premiums for a 2004 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Your job
• Insurance coverage level
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a reduced actual cash value compared to new models so repair costs tend to be lower which may result in lower rates. Although more recent vehicles have more advanced features included like anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights that may help help offset higher rates.

Auto liability insurance - This coverage will cover damages or injuries you inflict on other people or property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage - Collision coverage will pay to fix damage to your caused by collision with an object or car. You first must 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. Drivers also have the option to increase the deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and may carry a deductible.