You have many choices when insurance shopping for your vehicle. You can get prices from your neighborhood insurance agent or get quotes online to compare insurance costs of car insurance companies. Comparing car insurance from online rate quotes saves time, is easy to do, in addition you will probably save money.

Using the web to shop for car insurance direct can be complicated if you are a beginner to online rate quotes. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The easiest way to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Insurance rates for a 2004 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Home and auto can earn discounts
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a much lower replacement value so repair costs tend to be lower which may end up costing you less. But newer models may have options including an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system so those may help offset higher rates.

Liability insurance - This protects you from injuries or damage you cause to other people or property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as much as you can afford.

Collision - This coverage pays for damage to your caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2004 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive protection - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - This coverage provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage - Med pay and PIP coverage kick in for bills for things like ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.