You have many choices when shopping for insurance coverage for your vehicle. You can buy from your neighborhood insurance agent or get quotes online to compare rates from multiple insurance companies. Shopping for car insurance on the web saves time, is easy to do, in addition you will probably save money.

Comparing car insurance rates direct online can be complicated if you are a beginner to quoting online. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The best method to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance rates for a 2004 can be significantly different and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• How many accidents you have had
• Whether you insure your home with the same company
• Use of your vehicle
• Your birth date
• Whether you are married
• Optional coverages like vehicle replacement
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a much lower replacement value so repair costs tend to be lower which may end up costing you less. But newer vehicles may have options including dual-stage airbags, a telematics system, and pedestrian detection that may help lower rates.

Liability car insurance - This can cover injuries or damage you cause to other people or property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as large an amount as possible.

Collision coverage - Collision coverage covers damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2004 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive car insurance - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical expenses - Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.