Buying car insurance from online rate quotes saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to compare rates from all providers so you can compare the lowest priced insurance.

Shopping online for car insurance can be a challenge if you are a beginner to online rate quotes. But relax because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes and find the best price. The best method to find the lowest is to get quotes online. This can be accomplished by visiting this page.

Insurance rates paid to insure a 2004 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• Your gender can raise or lower rates
• Higher deductibles save money
• Safety rating of your 2004
• Your profession
• Insurance coverage level
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models cost less so the costs to repair may end up costing you less. Although newer models may have options included like a collision avoidance system, forward-collision avoidance, and active head restraints so those may provide discounts that lower premiums.

Liability insurance - This protects you from damage that occurs to a person or their property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase as much as you can afford.

Collision coverage - Collision insurance pays for damage to your from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper .

Comprehensive protection - This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical expense coverage - Med pay and PIP coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. PIP coverage is not available in all states but can be used in place of medical payments coverage.