Buying auto insurance through online rate quotes is simple to do and there is a good chance you may find lower rates. The critical component is getting rates from all companies in order to have every possible rate.

Shopping online for auto insurance can be a challenge if you have never used quoting online. But don't be discouraged because we're going to show you how. Reducing your can be surprisingly simple. All that's required is to spend a few minutes on the computer to compare quotes online with multiple companies. This can be accomplished by comparing rates here.

Insurance premiums on a 2004 can be significantly different subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Better credit means lower rates
• Where you live
• The number of annual miles
• Your gender can raise or lower rates
• Deductible amount directly impacts your rate
• Safety rating of your 2004
• Whether or not you have claims
• No coverage lapses saves money
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the payout to repair may end up costing you more. Conversely, newer models have more advanced features such as tire pressure monitors, autonomous braking, a collision avoidance system, and anti-lock brakes that may help lower rates.

Auto liability

2004 liability coverage protects you from damage that occurs to people or other property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision coverage protection

Collision insurance pays for damage to your resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2004 can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.