Finding cheaper auto insurance by comparing rates online can be fast and easy, in addition you may find lower rates. The most important part is to take the time to get rates from as many companies as possible so you can get all your choices.

If you are a novice to online auto insurance shopping, you may be confused by the hoards of online auto insurance companies and websites selling insurance. Getting cheaper insurance rates can be quick and easy. The only requirement is to invest a few minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine your insurance rates

Insurance premiums for your 2004 can vary widely depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating
• The size of your community
• High miles vs. low miles
• Men typically pay more than women
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Whether or not you have claims
• No coverage lapses saves money
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. New vehicles have a higher actual cash value compared to older models so the cost to replace them can inflate annual premiums. Conversely, more recent vehicles have more advanced features such as a backup camera, dual-stage airbags, and an advanced theft deterrent system which can give discounted rates.

Auto liability insurance

This coverage will cover injuries or damage you cause to other's property or people that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy higher limits if possible.

Auto collision coverage

This will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. 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 lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills like ambulance fees, surgery, and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.