You have many choices when buying insurance for your vehicle. You can buy from a local agent or price shop online to compare rates from lots of different providers. Shopping for auto insurance through online providers is simple to do, in addition you might just save a little.

Comparing auto insurance rates direct online can be complicated if you have never used quoting online. Don't let that stop you because comparing prices is actually very simple. Finding lower is surprisingly easy. You just have to spend a little time to get quotes online with multiple companies. This is very easy and can be done by comparing rates here.

Criteria which help determine your insurance rates

Auto insurance rates for your 2004 can be significantly different subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • How many accidents you have had
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Mature drivers pay less
  • Whether you are married
  • Optional coverages like vehicle replacement
  • Claims drive up premiums
  • No coverage lapses saves money
  • Owning a home can lower rates

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the payout to repair may end up costing you more. Conversely, new models may have a trim level with safety features such as active head restraints, an advanced theft deterrent system, and lane departure warning system that may help lower rates.

Liability auto insurance - 2004 liability coverage provides protection from injuries or damage you cause to other's property or people by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision coverage - Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a 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 vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance - Medical payments and Personal Injury Protection insurance reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.