Buying car insurance through online rate quotes is easy, plus you may find lower rates. The key is getting rates from all companies in order to have every possible rate.

People who are new to buying insurance may think shopping for low-cost 2004 insurance is going to be difficult. The are a couple different ways to get quotes from different insurance companies. The best way to compare is to get quotes online. This can be done by comparing rates here.

Rates are impacted by...

Insurance premiums on a 2004 can be significantly different based upon several criteria. Including but not limited to:

• Your driving record
• Better credit means lower rates
• Where you live
• The number of annual miles
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 2004
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new models so the cost to replace them will push premiums down. Conversely, more recent vehicles have more advanced features such as tire pressure monitors, autonomous braking, a collision avoidance system, and anti-lock brakes that may help lower rates.

Auto liability

Liability insurance will cover damage or injury you incur to people or other property in an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision coverage protection

Collision insurance will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. 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. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.