You have lots of choices when finding cheaper insurance coverage on your vehicle. You can buy direct from your neighborhood insurance agent or price shop online to check prices from multiple companies. Comparing car insurance online is simple to do and at the same time you will probably save money.

Using the web to shop for car insurance direct is challenging if you have never used online quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare quotes from different insurance companies. The easiest way by far to find competitive involves getting comparison quotes online. It is quite easy and can be accomplished by completing this short form.

What influences your insurance rates?

Insurance rates for your 2004 can vary widely subject to many criteria. Taken into consideration are:

  • More performance equals higher cost
  • Any accidents you may have
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Special coverage such as replacement cost
  • Your profession
  • The level of coverage
  • Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so the payout to repair can decrease annual premiums. Conversely, newer models may have options such as forward-collision avoidance, sideview assist mirrors, and all-wheel drive which can give discounted rates.

Liability coverage

2004 liability coverage protects you from damages or injuries you inflict on other's property or people. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision protection

This coverage pays for damage to your resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Because many people 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 a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for things 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 coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.