Buying auto insurance online is easy and at the same time you might just save a little. The key is to take the time to get rates from all providers in order to accurately compare all your choices.

People who are new to comparison shopping may think purchasing affordable 2004 insurance is very challenging. Getting cheaper insurance rates is not rocket science. The only requirement is to invest a few minutes to get quotes from different insurance companies. This can be accomplished by getting a quick quote here.

What factors impact your insurance rates?

Auto insurance rates paid to insure a 2004 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Where you live
• Annual mileage can affect rates
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so repair costs are higher which can inflate annual premiums. On the flip side, newer vehicles may have a trim level with safety features like lane departure warning system, traction control, and autonomous braking which can help offset higher rates.

Liability coverage

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Auto collision coverage

Collision insurance covers damage to your from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state and may carry a deductible.