There are many options when shopping for car insurance for your vehicle. You can buy direct from an agent or shop online to compare rates from many different companies. Finding cheaper car insurance from online companies is easy and there is a good chance you can save money.

Consumers who are new to the process of shopping for insurance may think purchasing cut-rate 2004 insurance can be quite difficult. There are several ways to get quotes and find the best price. By far the easiest way to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Car insurance premiums for your 2004 can vary widely based upon several criteria. Some of these factors include:

• The performance level of your 2004
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your occupation
• Insurance coverage level
• Whether you own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old cost less than newer models so the payout to repair will push premiums down. Although more recent vehicles may have safety features included like active head restraints, adaptive headlights, a backup camera, and tire pressure monitors which can lower rates.

Liability coverage

Liability insurance will cover damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision insurance

This will pay to fix damage to your resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states and gives slightly broader coverage than med pay.