Shopping for car insurance through online rate quotes saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to take the time to get rates from all companies so you can compare the cheapest rate quotes.

Comparing car insurance rates direct online can be difficult if you are a beginner to online quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The recommended way to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by these factors

Auto insurance rates on a 2004 can vary widely and are calculated by many factors. Including but not limited to:

  • Tickets increase premiums
  • Credit rating
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Crash test rating for your 2004
  • What you do for a living
  • The amount of protection requested
  • Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so the cost to replace them may end up costing you less. But newer models may have a trim level with safety features including dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which can provide discounts that lower premiums.

Auto liability - This protects you from damage or injury you incur to people or other property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying higher limits if possible.

Collision coverage - Collision coverage pays for damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2004 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage - This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage - Med pay and PIP coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.