Drivers have lots of options when finding cheaper insurance coverage on your vehicle. You can either contact an insurance agent or price shop online to compare insurance costs of insurance providers. Shopping for car insurance by comparing rates online is simple to do, plus you may find lower rates.

Comparing car insurance rates direct online can be difficult if you have never used online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways to get quotes from local car insurance companies. The easiest way by far to find the cheapest consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by...

Insurance premiums for your 2004 can vary widely subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • Your job
  • Your coverage level
  • Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so the payout to repair can decrease annual premiums. On the flip side, more recent vehicles have more advanced features like adaptive cruise control, lane departure warning system, and pedestrian detection which can help offset higher rates.

Auto liability insurance

2004 liability coverage will cover damage or injury you incur to other's property or people by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist 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 immediate expenses like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states and may carry a deductible.