Shopping for auto insurance online is easy, in addition you might just save a little. The key is to get as many rate quotes as possible so you can get all possible prices.

Consumers not familiar with comparing rates may think finding cheap 2004 insurance is very challenging. Finding cheaper coverage prices is not rocket science. All you need to do is take the time to get quotes from different insurance companies. This is very easy and can be done by completing this short form.

Criteria which help determine

Auto insurance rates for a 2004 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Your gender can raise or lower rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor that will help determine is the model year. New vehicles have a higher replacement value in comparison to later models so repair costs are higher which may result in higher rates. But newer models may have a trim level with safety features including forward-collision avoidance, sideview assist mirrors, and all-wheel drive which may give discounted rates.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision protection

Collision coverage pays for damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.