You have many choices when trying to insure your vehicle. You can buy direct from an agent or go online to compare rates from insurance providers. Comparing auto insurance by comparing rates online can be fast and easy, in addition you can save money.

If you've never shopped for auto insurance online, you may be confused by the hoards of online auto insurance companies and websites offering insurance. Finding a lower price on 2004 insurance can be quick and easy. You just have to take a little time getting comparison quotes provided by online insurance companies. This can be done by comparing rates here.

Criteria which help determine your insurance rates

Car insurance premiums for your 2004 will vary greatly depending on several factors. A few of these criteria are:

  • Higher performance 2004 vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Optional coverages like vehicle replacement
  • Your claim history
  • Having current coverage saves
  • Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so the cost to replace them will push premiums up. On the flip side, more recent vehicles may have safety features like dual-stage airbags, a rollover prevention system, and lane departure warning system so those may lower rates.

Auto liability insurance

This coverage will cover injuries or damage you cause to other's property or people. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverage

This coverage will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to pay a 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 older vehicles. You can also raise the deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount a auto insurance company will pay at claim time 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.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.