Comparing auto insurance through online rate quotes can be fast and easy and there is a good chance you can save money. The most important part is to compare rates from all providers so you can get every company's rates.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of online companies offering insurance. Getting lower can be surprisingly simple. The only thing you need to do is invest a little time getting comparison quotes provided by online insurance companies. This can be done by completing this short form.

Car insurance premiums paid to insure a 2004 will vary greatly depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Your credit history
• Your location impacts rates
• Annual mileage can affect rates
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 2004
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so the cost to replace them will push premiums up. Conversely, more recent vehicles may have safety features such as a backup camera, lane departure warning system, and traction control so those may give discounted rates.

Auto liability

This coverage will cover damage that occurs to a person or their property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.