There are many options when shopping for insurance coverage for your vehicle. You can buy from an agent or price shop online to check prices from insurance providers. Shopping for auto insurance by comparing rates online is simple to do and there is a good chance you can save money.

Comparing auto insurance rates direct online can be a challenge if you have never used online rate quotes. But don't let that discourage you because it's actually quite easy. Getting better can be quick and easy. Just take time getting comparison quotes online with multiple companies. This is very easy and can be done by completing this short form.

Car insurance premiums for a 2004 will vary greatly subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Your accident history
  • Whether you insure your home with the same company
  • Use of your vehicle
  • Extra coverages like towing and rental
  • Your claim history
  • No coverage lapses saves money
  • Whether you own your home

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so the payout to repair will push premiums up. Conversely, more recent vehicles may have safety features such as anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights so those may give discounted rates.

Auto liability insurance - 2004 liability coverage will cover damage that occurs to other people or property by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage - Collision coverage will pay to fix damage to your caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. 2004 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.