You have lots of choices when buying insurance for your vehicle. You can buy direct from an insurance agent or go online to compare rates from many different auto insurance companies. Shopping for auto insurance through online rate quotes can be fast and easy and at the same time you may find lower rates.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of companies selling insurance. Finding lower can be surprisingly simple. You just have to spend a little time to compare quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Which factors influence the rate you pay?

Insurance premiums on a 2004 will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance 2004 vehicles cost more
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure use vs. commuting use
  • Mature drivers pay less
  • Whether you are married
  • Special coverage such as replacement cost
  • Whether or not you have claims
  • Having current coverage saves
  • Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so the cost to replace them will push premiums up. On the flip side, new models have more advanced features like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors so those may lower rates.

Auto liability - This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage - Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2004 can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive auto coverage - This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.