Buying car insurance online saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to take the time to get rates from all providers in order to have every possible rate.

Shopping online for car insurance can be a challenge if you are a beginner to online quotes. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. The best way to compare is to get quotes online. This can be accomplished by comparing rates here.

Insurance rates paid to insure a 2004 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Where you live
• Annual mileage can affect rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Safety rating of your 2004
• Your profession
• The level of coverage
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models cost less so the costs to repair may end up costing you less. Conversely, newer models may have options such as forward-collision avoidance, tire pressure monitors, and autonomous braking which can lower rates.

Liability coverage

This protects you from damage that occurs to a person or their property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase higher limits if possible.

Collision coverage protection

Collision insurance pays for damage to your from colliding with another car or object. You will need to pay your 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 vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.