Drivers have lots of options when attempting to insure your vehicle. You can buy direct from your neighborhood insurance agent or go online to compare insurance costs of car insurance companies. Buying car insurance from online rate quotes can be fast and easy, plus you will probably save money.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of companies competing for your business. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The fastest way to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by...

Insurance rates on a 2004 will vary greatly depending on several factors. Including but not limited to:

• Higher performance 2004 vehicles cost more
• Your accident history
• Multiple policies can save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your profession
• The amount of protection requested
• Home ownership saves money

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a lower value so the cost to replace them may result in lower rates. But more recent vehicles may have options including forward-collision avoidance, adaptive cruise control, and lane departure warning system so those may help offset higher rates.

Liability insurance

This coverage will cover damage or injury you incur to people or other property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as much as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. 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 vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive protection

This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and may carry a deductible.