Shopping for car insurance by comparing rates online can be fast and easy and there is a good chance you may find lower rates. The most important part is to compare rates from all companies in order to accurately compare every option.

If shopping for car insurance online is new to you, you can be overwhelmed by the hoards of companies selling insurance. The are a couple different ways to compare rate quotes from car insurance companies in your area. The quickest method to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Insurance premiums on a 2004 will vary greatly depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Your credit history
• Where you reside can make a big difference
• The number of annual miles
• Male drivers pay higher rates
• The deductible you choose
• Safety rating of your 2004
• Your job
• The amount of protection requested
• Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks cost less compared to new models so the cost to replace them may result in lower rates. But new models have more advanced features including dual-stage airbags, a rollover prevention system, and lane departure warning system so those may help offset higher rates.

Auto liability insurance

This coverage provides protection from damage that occurs to people or other property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. 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 lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.