Buying auto insurance on the web is easy and at the same time you can save money. The key is getting rates from as many companies as possible in order to have the best prices.

People who are new to comparison shopping may think shopping for cut-rate 2004 insurance is not very easy. Finding a better price on auto insurance isn't really that difficult. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This can be accomplished by comparing rates here.

What factors impact car insurance premiums?

Car insurance premiums for your 2004 can be significantly different based upon several criteria. Taken into consideration are:

  • Your driving record
  • Better credit means lower rates
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your claim history
  • Having current coverage saves
  • Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so repair costs are higher which may end up costing you more. On the flip side, new models may have safety features like a telematics system, lane departure warning system, and tire pressure monitors that may help lower rates.

Liability car insurance - Liability insurance provides protection from damages or injuries you inflict on other's property or people in an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverages - Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive auto insurance - Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage - This protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP is not universally available and gives slightly broader coverage than med pay.