Comparing auto insurance on the web can be fast and easy and at the same time you can save money. The most important part is to take the time to get rates from all providers in order to have every option.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online companies offering insurance. Finding a lower price on 2004 insurance isn't really that difficult. You just have to take a little time getting comparison quotes provided by online insurance companies. This can be done by comparing rates here.

Which factors influence your insurance rates?

Car insurance premiums paid to insure a 2004 can vary widely depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating
• Your location impacts rates
• Annual mileage can affect rates
• Male rates may be higher
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so the cost to replace them can inflate annual premiums. Conversely, newer vehicles may have safety features such as adaptive cruise control, sideview assist mirrors, and tire pressure monitors which can lower rates.

Liability car insurance

This coverage can cover damages or injuries you inflict on a person or their property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverage

This coverage covers damage to your from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive auto insurance

This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.