Finding cheaper car insurance on the web can be fast and easy and at the same time you might just save a little. The most important part is to compare rates from all companies so you can compare every possible rate.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The best way to find the lowest is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

Which factors influence the rate you pay?

Auto insurance rates on a 2004 will vary greatly depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Your credit history
• The size of your community
• The number of annual miles
• Your gender can raise or lower rates
• Higher deductibles save money
• Your vehicle's safety rating
• What you do for a living
• Insurance coverage level
• 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 cost to replace them may result in lower rates. Although newer models may have a trim level with safety features included like a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system so those may provide discounts that lower premiums.

Liability car insurance

This coverage protects you from damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage protection

This pays for damage to your resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2004 can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper .

Comprehensive car insurance

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This gives you protection from other motorists when they do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.