Finding cheaper car insurance through online rate quotes saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to get rates from all providers in order to accurately compare all your choices.

Finding the best direct price on car insurance is challenging if you are a beginner to online quoting. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from car insurance companies in your area. The fastest way to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine ?

Auto insurance rates paid to insure a 2004 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• The size of your community
• Annual mileage can affect rates
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the costs to repair may end up costing you less. But newer vehicles may have a trim level with safety features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which may help offset higher rates.

Auto liability

This can cover damages or injuries you inflict on a person or their property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as high a limit as you can afford.

Auto collision coverage

This covers damage to your from colliding with an object or car. A deductible applies 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 older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state and may carry a deductible.