Comparing auto insurance by comparing rates online can be fast and easy and at the same time you may find lower rates. The most important part is getting as many rate quotes as possible so you can compare all your choices.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies selling insurance. Getting cheaper insurance rates can be quick and easy. The only requirement is to invest a few minutes to compare quotes provided by online insurance companies. This can be done by visiting this page.

Which factors influence car insurance premiums?

Insurance premiums for 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
• Your location impacts rates
• How many miles you drive
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• Whether or not you have claims
• Having current coverage saves
• Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. A newer vehicle have a higher value compared to older models so the cost to replace them may end up costing you more. On the flip side, newer vehicles have more advanced features like a backup camera, dual-stage airbags, and an advanced theft deterrent system that may help provide discounts that lower premiums.

Auto liability insurance

This coverage can cover damages or injuries you inflict on other people or property. 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.

Auto collision coverage

This coverage covers damage to your caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in. 2004 collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance will pay to fix 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 the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.