You have lots of choices when trying to find low-cost insurance for your vehicle. You can either contact an insurance agent or go online to check prices from a lot of auto insurance companies. Shopping for auto insurance through online companies can be fast and easy and at the same time you may find lower rates.

If shopping for auto insurance online is new to you, it's easy to be confused by the hoards of online auto insurance companies and websites selling insurance. Getting lower is not a difficult process. The only thing you need to do is invest a little time to compare quotes provided by online insurance companies. This is very easy and can be done by completing this short form.

Which factors influence your insurance rates?

Insurance premiums for your 2004 can vary widely depending on several factors. Taken into consideration are:

• Higher performance 2004 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Young drivers cost more
• Having a spouse can save money
• Special coverage such as replacement cost
• Whether or not you have claims
• No coverage lapses saves money
• Whether you rent or own your home

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so the cost to replace them can inflate annual premiums. Conversely, more recent vehicles have more advanced features such as adaptive cruise control, autonomous braking, and lane departure warning system which can give discounted rates.

Coverage for liability

This coverage will cover damages or injuries you inflict on other's property or people by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your resulting from colliding with an object or car. You will need to pay your 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 lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.