Finding cheaper car insurance online saves time, is easy to do, in addition you will probably save money. The key to finding lower rates is to get rates from as many companies as possible in order to have every company's rates.

Finding the best direct price on car insurance can be complicated if you are a beginner to online quoting. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from local car insurance companies. The simplest method to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Insurance rates for your 2004 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating impacts rates
• The size of your community
• High miles vs. low miles
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your profession
• Your coverage level
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a much lower replacement value so the payout to repair may end up costing you less. On the flip side, new models may have options like a telematics system, adaptive cruise control, and anti-lock brakes which may lower rates.

Liability coverage

This provides protection from injuries or damage you cause to other's property or people that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills for things like ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. PIP coverage is not universally available and gives slightly broader coverage than med pay.