There are many options when buying insurance for your vehicle. You can buy direct from your neighborhood insurance agent or shop online to compare pricing from insurance providers. Shopping for auto insurance by comparing rates online is easy and there is a good chance you will probably save money.

Consumers not familiar with shopping for insurance may think finding cheap 2004 insurance is going to be difficult. Finding lower can be quick and easy. You just have to spend a little time comparing rates from different insurance companies. This is very easy and can be done by visiting this page.

Insurance rates for a 2004 can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your 2004
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Extra coverages like towing and rental
• No claims lowers premiums
• No coverage lapses saves money
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. A newer vehicle have a higher replacement value so repair costs are higher which may result in higher rates. Conversely, new models may have options such as a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which may provide discounts that lower premiums.

Auto liability insurance - Liability insurance provides protection from damage that occurs to other people or property by causing 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 purchase as high a limit as you can afford.

Collision coverage - Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. 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 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. PIP is not universally available but can be used in place of medical payments coverage.