Comparing auto insurance on the web saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is getting rates from all companies in order to accurately compare every possible rate.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer getting comparison quotes online from several insurance companies. This can be done by getting a quick quote here.

Car insurance premiums on a 2004 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Your location impacts rates
• The number of annual miles
• Male rates may be higher
• The deductible you choose
• Safety rating of your 2004
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the costs to repair may end up costing you more. But newer vehicles may have safety features including a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system that may help help offset higher rates.

Liability car insurance

This can cover damage that occurs to people or other property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage protection

This coverage covers damage to your resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2004 can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim 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

Your UM/UIM coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and may carry a deductible.