Shopping for auto insurance through online rate quotes saves time, is easy to do, in addition you can save money. The key to finding lower rates is getting as many rate quotes as possible in order to have the lowest rate quotes.

Comparing auto insurance rates direct online can be complicated if you are a beginner to quoting online. But don't let that discourage you because it's actually quite easy. Lowering your can be surprisingly simple. You just need to take a few minutes getting comparison quotes online from several insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine

Car insurance premiums for a 2004 can be significantly different and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Better credit means lower rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Newer models have a higher replacement value than older models so the costs to repair may end up costing you more. Conversely, newer vehicles may have safety features such as adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance that may help lower rates.

Auto liability

This can cover injuries or damage you cause to other people or property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as large an amount as possible.

Collision insurance

Collision coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2004 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.