Shopping for auto insurance from online companies can be fast and easy, plus you can save money. The most important part is getting rates from all providers so you can get the best prices.

If shopping for auto insurance online is new to you, you may be overwhelmed by the hoards of online companies offering insurance. Finding a better price on auto insurance is actually quite simple. Consumers just need to spend a few minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by...

Car insurance premiums paid to insure a 2004 can be significantly different depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Better credit means lower rates
  • Men typically pay more than women
  • Low deductibles cost more
  • Crash test rating for your 2004
  • Your claim history
  • Having current coverage saves
  • Home ownership saves money

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so the cost to replace them may end up costing you more. On the flip side, more recent vehicles may have safety features like autonomous braking, dual-stage airbags, and sideview assist mirrors that may help give discounted rates.

Liability coverage - This coverage will cover damage or injury you incur to a person or their property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverages - Collision coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive coverage - This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.