Finding cheaper auto insurance through online companies can be fast and easy, plus you may find lower rates. The most important part is getting rates from all companies in order to accurately compare every possible rate.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of companies selling insurance. Reducing your is not a difficult process. All that's required is to spend a few minutes on the computer to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by...

Insurance premiums on a 2004 can be significantly different depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Better credit means lower rates
• The size of your community
• The number of annual miles
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2004
• Whether or not you have claims
• No coverage lapses saves money
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the cost to replace them may end up costing you more. Conversely, more recent vehicles have more advanced features such as a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control that may help help offset higher rates.

Coverage for liability

This coverage will cover damage or injury you incur to people or other property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2004 can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.