Comparing auto insurance from online rate quotes 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 the best prices.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online quotes. But relax because it's actually quite easy. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes getting comparison quotes online from several insurance companies. This can be done by getting a quick quote here.

Rates are determined 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
• Male rates may be higher
• The deductible you choose
• Crash test rating for your 2004
• Your claim history
• Having continuous coverage saves you money
• Home ownership saves money

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 can inflate annual premiums. Although newer vehicles may have safety features included like a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system which can help offset higher rates.

Liability insurance - This can cover damage or injury you incur to a person or their property. 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 coverages - This coverage 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 in order to get cheaper .

Comprehensive protection - 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 auto 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.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage - 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 are not covered by health insurance. PIP coverage is not an option in every state and may carry a deductible.