Comparing auto insurance through online rate quotes can be fast and easy and at the same time you may find lower rates. The most important part is to get rates from as many companies as possible in order to have all possible prices.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online auto insurance companies and websites selling insurance. Finding cheaper coverage prices can be surprisingly simple. All you need to do is take the time to compare quotes provided by online insurance companies. This can be done by comparing rates here.

Which factors influence ?

Insurance premiums for your 2004 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Whether or not you have claims
• No coverage lapses saves money
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older models so the cost to replace them may result in higher rates. Conversely, more recent vehicles have more advanced features such as lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which may lower rates.

Auto liability

This coverage will cover damages or injuries you inflict on other's property or people. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision protection

This coverage will pay to fix damage to your resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The most 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 not worth carrying full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.