Buying car insurance online is easy and there is a good chance you might just save a little. The key is to get rates from all companies in order to accurately compare the lowest rate quotes.

People who are new to shopping for insurance may think finding low-cost 2004 insurance is very challenging. When shopping for car insurance there are multiple ways of comparing rates and find the best price. By far the easiest way to find the cheapest is to get quotes online. This can be accomplished by getting a quick quote here.

Auto insurance rates on a 2004 can fluctuate considerably based upon several criteria. Some of these factors include:

  • Your driving record
  • Credit rating impacts rates
  • Male rates may be higher
  • The deductible you choose
  • Safety rating of your 2004
  • What you do for a living
  • Insurance coverage level
  • Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the cost to replace them will push premiums down. Although newer vehicles may have a trim level with safety features included like pedestrian detection, dual-stage airbags, and blind-spot warning system which may help offset higher rates.

Liability coverage

Liability insurance can cover damage that occurs to people or other property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision insurance

Collision insurance covers damage to your resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2004 can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used in conjunction with a health insurance program or if you are not covered by health insurance. PIP is not an option in every state and may carry a deductible.