Buying car insurance through online providers saves time, is easy to do, plus you can save money. The key to finding lower rates is to take the time to get rates from all providers in order to accurately compare every possible rate.

Shopping online for car insurance can be difficult if you are a beginner to online quotes. But relax because it's actually quite easy. There are several ways of comparing rates from different insurance companies. The best way to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by the following

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

• Tickets increase premiums
• Credit rating
• Where you live
• Annual mileage can affect rates
• Male rates may be higher
• The deductible you choose
• Crash test rating for your 2004
• Your occupation
• The level of coverage
• 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. Conversely, newer vehicles may have safety features such as autonomous braking, tire pressure monitors, and lane departure warning system which can help offset higher rates.

Liability auto insurance

This can cover damage or injury you incur to a person or their property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy higher limits if possible.

Collision coverage protection

Collision insurance covers damage to your from colliding with a stationary object or other vehicle. 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 older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

This covers 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 maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and may carry a deductible.