You have many choices when trying to insure your vehicle. You can buy from an agent or shop online to compare insurance costs of many different companies. Shopping for car insurance from online companies is easy, in addition you can save money.

Consumers not familiar with comparing rates may think shopping for cheap 2004 insurance can be quite difficult. There are several ways of comparing rates from car insurance companies in your area. The quickest method to find the cheapest consists of shopping online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Car insurance premiums for 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
• Whether you insure your home with the same company
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a much lower replacement value than newer models so repair costs tend to be lower which will push premiums down. But newer vehicles may have safety features including lane departure warning system, dual-stage airbags, and sideview assist mirrors that may help help offset higher rates.

Liability coverage

Liability insurance can cover injuries or damage you cause to other people or property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage

Collision coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. 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 it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state and may carry a deductible.