There are many options when shopping for car insurance for your vehicle. You can get prices from your neighborhood insurance agent or price shop online to compare rates from insurance providers. Buying auto insurance by comparing rates online is simple to do and there is a good chance you will probably save money.

Shopping online for auto insurance can be a challenge if you have never used online rate quotes. Don't let that stop you because there is an easy way to compare rates. Lowering your can be quick and easy. You just need to take a few minutes comparing rates online with multiple companies. This can be accomplished by comparing rates here.

Insurance rates for your 2004 will vary greatly subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • Your accident history
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Extra coverages like towing and rental
  • No claims lowers premiums
  • Having current coverage saves
  • Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Newer models cost more so the payout to repair will push premiums up. On the flip side, newer vehicles may have options like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system so those may lower rates.

Auto liability insurance

2004 liability coverage can cover damage that occurs to other's property or people in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision insurance

Collision insurance covers damage to your resulting from colliding with another car or object. You have to pay a 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. You can also choose a higher deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since many drivers 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 very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.