Buying car insurance online saves time, is easy to do and there is a good chance you can save money. The key to finding lower rates is getting 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 quoting online. But relax because it's actually quite easy. There are several ways of comparing rates from different insurance companies. The best method to find the lowest is to get quotes online. This can be accomplished by visiting this page.

Car insurance premiums paid to insure a 2004 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 2004
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Older models cost less than newer models so the costs to repair may end up costing you less. Conversely, newer vehicles may have safety features such as adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection that may help provide discounts that lower premiums.

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

Collision coverage - Collision insurance covers damage to your from colliding with another car or object. You first must 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 older vehicles. Another option is to raise the deductible to bring the cost down.

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

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP kick in 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 you do not have health coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.