Finding cheaper auto insurance from online companies can be fast and easy and there is a good chance you might just save a little. The most important part is to compare rates from all companies in order to have every possible rate.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of companies vying for your business. Reducing your is actually quite simple. All that's required is to spend a few minutes on the computer to get quotes provided by online insurance companies. It is quite easy and can be accomplished by comparing rates here.

Auto insurance rates on a 2004 will vary greatly depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Your credit history
• The size of your community
• The number of annual miles
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Safety rating of your 2004
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so the cost to replace them will push premiums up. Although more recent vehicles may have a trim level with safety features included like forward-collision avoidance, automatic crash notification, and tire pressure monitors so those may lower rates.

Liability coverage

This coverage will cover damage that occurs to people or other property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage protection

This will pay to fix damage to your resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2004 can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.