Comparing car insurance by getting online quotes is easy and at the same time you may find lower rates. The key is getting rates from all companies so you can compare the best prices.

Beginners to comparison shopping may think shopping for low-cost 2004 insurance is nearly impossible. The are a couple different ways to compare rate quotes from car insurance companies in your area. One of the best ways to find the lowest involves getting comparison quotes online. It is quite easy and can be accomplished by visiting this page.

What factors impact car insurance premiums?

Insurance premiums on a 2004 can be significantly different based upon several criteria. Taken into consideration are:

  • Your driving record
  • Better credit means lower rates
  • Male drivers pay higher rates
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Your job
  • The amount of protection requested
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a reduced actual cash value compared to new models so the cost to replace them will push premiums down. But new models have more advanced features including pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification that may help provide discounts that lower premiums.

Liability - Liability insurance provides protection from damages or injuries you inflict on people or other property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision coverages - This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 2004 can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage - This gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance - Medical payments and Personal Injury Protection insurance provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not universally available but can be used in place of medical payments coverage.