Comparing car insurance by comparing rates online is easy, in addition you can save money. The key is getting rates from as many companies as possible so you can compare the lowest priced insurance.

Beginners to comparing rates may think shopping for cut-rate 2004 insurance is going to be difficult. There are several ways of comparing rates from local car insurance companies. The best method to find the lowest involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Car insurance premiums for your 2004 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your occupation
• Your coverage level
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so the payout to repair will push premiums down. On the flip side, newer vehicles may have safety features like anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights that may help provide discounts that lower premiums.

Auto liability insurance - Liability insurance can cover injuries or damage you cause to other's property or people. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage - This coverage covers damage to your resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP provide coverage for bills such as ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state but can be used in place of medical payments coverage.