Buying auto insurance by getting online quotes can be fast and easy and at the same time you may find lower rates. The most important part is getting rates from all companies in order to have the cheapest rate quotes.

If you're new to shopping for auto insurance online, it's easy to be confused by the hoards of companies selling insurance. Finding lower can be relatively painless. You just have to spend a little time to compare quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Which factors influence car insurance premiums?

Insurance premiums on a 2004 can be significantly different depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Better credit means lower rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the cost to replace them may end up costing you more. But newer vehicles have more advanced features including anti-lock brakes, adaptive headlights, and adaptive cruise control that may help lower rates.

Liability - This coverage can cover damages or injuries you inflict on people or other property in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage - Collision insurance covers damage to your resulting from a collision with an object or car. 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. You can also increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance - Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.