Finding cheaper car insurance through online providers saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to take the time to get as many rate quotes as possible in order to have the best prices.

Finding the best direct price on car insurance can be difficult if you are a beginner to online quotes. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. One of the best ways to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by...

Auto insurance rates for a 2004 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 2004
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor which can affect is the model year. Models that are a few years old have a lower value in comparison to older models so repair costs tend to be lower which may end up costing you less. Conversely, more recent vehicles may have a trim level with safety features such as traction control, pedestrian detection, autonomous braking, and adaptive headlights which can lower rates.

Liability auto insurance - This will cover damage or injury you incur to other people or property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying higher limits if possible.

Collision coverages - This will pay to fix damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. 2004 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.