Buying auto insurance through online rate quotes is simple to do and there is a good chance you will probably save money. The critical component is to compare rates from all companies so you can get all your choices.

Shopping online for auto insurance can be a challenge if you have never used online rate quotes. But don't be discouraged because there is an easy way to compare rates. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes comparing rates online with multiple companies. This can be accomplished by completing this short form.

Insurance rates on a 2004 will vary greatly subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Your credit history
• Where you live
• The number of annual miles
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2004
• No claims lowers premiums
• No coverage lapses saves money
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. New vehicles cost more so the payout to repair will push premiums up. Conversely, newer vehicles may have options such as autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights so those may give discounted rates.

Auto liability

2004 liability coverage can cover damage that occurs to people or other property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2004 can be pricey, so consider removing coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.