Finding cheaper car insurance through online rate quotes can be fast and easy and there is a good chance you can save money. The most important part is getting rates from all providers so you can compare every possible rate.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of online companies offering insurance. There are several ways of comparing rates from car insurance companies in your area. The best way to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Car insurance premiums paid to insure a 2004 can be significantly different depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Better credit means lower rates
• The size of your community
• Annual mileage can affect rates
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 2004
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old cost less than newer models so the costs to repair may result in lower rates. But newer vehicles may have safety features including tire pressure monitors, autonomous braking, a collision avoidance system, and anti-lock brakes that may help provide discounts that lower premiums.

Auto liability

This coverage can cover damage that occurs to a person or their property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage protection

This covers damage to your from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.