Comparing auto insurance on the web is simple to do, plus you might just save a little. The critical component is to compare as many rate quotes as possible so you can compare the cheapest rate quotes.

Using the web to shop for auto insurance direct can be difficult if you have never used online rate quotes. But don't let that discourage you because comparing prices is actually very simple. Finding lower isn't really that difficult. You just have to spend a little time to get quotes online with multiple companies. This can be done by visiting this page.

Rates are determined by the following

Auto insurance rates for a 2004 will vary greatly subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Your credit history
• Male rates may be higher
• Higher deductibles save money
• Crash test rating for your 2004
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the payout to repair will push premiums up. But newer vehicles may have a trim level with safety features including tire pressure monitors, active head restraints, and pedestrian detection so those may provide discounts that lower premiums.

Liability car insurance - 2004 liability coverage can cover damage or injury you incur to other people or property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision coverage - This coverage covers damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 2004 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto insurance - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses - Coverage for medical payments and/or PIP reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.