Shopping for car insurance from online rate quotes can be fast and easy and there is a good chance you will probably save money. The most important part is to get rates from all providers in order to accurately compare all your choices.

If shopping for car insurance online is new to you, you can be overwhelmed by the hoards of online companies competing for your business. To find the best car insurance prices, there are several ways to get quotes from different insurance companies. The fastest way to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Insurance rates paid to insure a 2004 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Where you reside can make a big difference
• Annual mileage can affect rates
• Men typically pay more than women
• The deductible you choose
• Safety rating of your 2004
• Your profession
• The level of coverage
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks cost less so the costs to repair may result in lower rates. Conversely, more recent vehicles may have options such as forward-collision avoidance, adaptive cruise control, and lane departure warning system which may help offset higher rates.

Liability insurance

This coverage will cover damage that occurs to a person or their property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your from colliding with another car or object. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive protection

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.