You have lots of choices when buying insurance for your vehicle. You can buy from your neighborhood insurance agent or go online to compare pricing from car insurance companies. Buying car insurance from online rate quotes can be fast and easy and at the same time you will probably save money.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites competing for your business. To find the best car insurance prices, there are several ways of comparing rates from local car insurance companies. The recommended way to find the lowest is to get quotes online. It is quite easy and can be accomplished by visiting this page.

Which factors influence the rate you pay?

Insurance rates for your 2004 will vary greatly depending on several factors. Taken into consideration are:

• Higher performance 2004 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your profession
• Your coverage level
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a reduced actual cash value so the payout to repair may result in lower rates. On the flip side, newer vehicles may have options like adaptive cruise control, anti-lock brakes, and active head restraints so those may provide discounts that lower premiums.

Liability insurance - This coverage can cover damages or injuries you inflict on other's property or people in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverage - Collision insurance covers damage to your resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper .

Comprehensive protection - Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This gives you protection when other motorists either are underinsured or have no liability coverage at all. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage - Coverage for medical payments and/or PIP pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.