Drivers have lots of options when shopping for insurance coverage for your vehicle. You can buy direct from an insurance agent or price shop online to compare insurance costs of insurance carriers. Finding cheaper auto insurance by getting online quotes is simple to do, plus you may find lower rates.

Finding the best direct price on auto insurance can be difficult if you have never used online quotes. But don't be discouraged because we're going to show you how. Getting better can be relatively painless. Just take time to compare quotes online with multiple companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by...

Insurance premiums on a 2004 can vary widely subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • Any accidents you may have
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • No coverage lapses saves money
  • Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older models so the payout to repair can inflate annual premiums. Conversely, more recent vehicles have more advanced features such as lane departure warning system, pedestrian detection, and tire pressure monitors which can help offset higher rates.

Liability - 2004 liability coverage will cover damage or injury you incur to people or other property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverage - This will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2004 can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.