Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can buy direct from an agent or go online to compare rates from insurance carriers. Finding cheaper car insurance by getting online quotes can be fast and easy, plus you can save money.

If you are a novice to online car insurance shopping, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to get quotes and find the best price. The simplest method to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by...

Car insurance premiums for a 2004 can be significantly different depending on several factors. Including but not limited to:

• Higher performance 2004 vehicles cost more
• How many accidents you have had
• Home/auto policy bundles save money
• Use of your vehicle
• Add-on coverages such as rental reimbursement
• Your occupation
• Insurance coverage level
• Home ownership saves money

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a lower value than newer models so repair costs tend to be lower which may result in lower rates. Although more recent vehicles may have safety features included like anti-lock brakes, adaptive cruise control, and autonomous braking that may help lower rates.

Liability

This coverage will cover damage or injury you incur to other people or property that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Coverage for collisions

This will pay to fix damage to your caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in. 2004 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.