Finding cheaper car insurance by quoting online is easy and there is a good chance you might just save a little. The key is to get rates from as many companies as possible so you can get every company's rates.

Consumers who are new to the process of shopping for insurance may think finding cut-rate 2004 insurance is hard. When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The simplest method to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Auto insurance rates for your 2004 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• The size of your community
• High miles vs. low miles
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 2004
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the payout to repair will push premiums down. Conversely, newer models may have a trim level with safety features such as tire pressure monitors, a telematics system, autonomous braking, and adaptive headlights which may give discounted rates.

Liability coverages

Liability insurance protects you from damage that occurs to other's property or people that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Coverage for collisions

This pays for damage to your resulting from colliding with another car or object. 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 vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are utilized in addition to your health insurance program or if you do not have health coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.