You have many choices when shopping for insurance coverage for your vehicle. You can either contact an insurance agent or shop online to compare insurance costs of many different car insurance companies. Comparing car insurance through online rate quotes is easy, in addition you may find lower rates.

Beginners to comparing rates may think shopping for affordable 2004 insurance is going to be difficult. The are a couple different ways to compare quotes from local car insurance companies. The best method to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a 2004 can be significantly different based upon several criteria. A few of these criteria are:

• The performance level of your 2004
• How many accidents you have had
• Home and auto can earn discounts
• How you use your vehicle
• Your age
• Being married may save money
• Optional coverages like vehicle replacement
• Your job
• Your coverage level
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a much lower replacement value compared to new models so the costs to repair will push premiums down. On the flip side, newer models have more advanced features like an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors that may help help offset higher rates.

Auto liability - Liability insurance protects you from injuries or damage you cause to a person or their property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision coverage - This coverage pays for damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive auto coverage - This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when other motorists do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage - Med pay and PIP coverage provide coverage for bills like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP is not available in all states and may carry a deductible.