Buying car insurance by comparing rates online saves time, is easy to do, plus you can save money. The key to finding lower rates is getting rates from all providers in order to have the cheapest rate quotes.

Shopping online for car insurance can be difficult if you are a beginner to quoting online. But relax because it's actually quite easy. There are several ways to get quotes and find the best price. The recommended way to compare is to get quotes online. This can be done by comparing rates here.

Rates are impacted by...

Car insurance premiums paid to insure a 2004 can be significantly different and are calculated by many factors. Including but not limited to:

  • Tickets increase premiums
  • Better credit means lower rates
  • Men typically pay more than women
  • Deductible amount directly impacts your rate
  • Crash test rating for your 2004
  • Your occupation
  • Insurance coverage level
  • Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Older models have a lower value than newer models so the costs to repair may end up costing you less. Although more recent vehicles may have safety features included like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection that may help lower rates.

Auto liability insurance - This will cover damage or injury you incur to a person or their property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage - Collision insurance will pay to fix damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive insurance - This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.