Shopping for auto insurance by comparing rates online is easy, in addition you may find lower rates. The key is to get rates from as many companies as possible in order to have the best prices.

Consumers not familiar with comparing rates may think finding cut-rate 2004 insurance is going to be difficult. Finding a better price on auto insurance can be quick and easy. Consumers just need to spend a few minutes to compare quotes from different insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Insurance premiums for your 2004 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Whether or not you have claims
• Having continuous coverage saves you money
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so repair costs are higher which may result in higher rates. Although newer models have more advanced features included like forward-collision avoidance, adaptive cruise control, and active head restraints which may lower rates.

Auto liability insurance - Liability insurance protects you from injuries or damage you cause to other's property or people by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision coverages - Collision coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The most a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage - This coverage protects you and your vehicle's occupants from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Med pay and PIP coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. PIP is not available in all states and gives slightly broader coverage than med pay.