You have lots of choices when attempting to insure your vehicle. You can either buy through an insurance agent or get quotes online to check prices from a lot of auto insurance companies. Comparing auto insurance through online companies saves time, is easy to do and at the same time you may find lower rates.

Using the web to shop for auto insurance direct is challenging if you are a beginner to quoting online. Don't let that stop you because we're going to show you how. Getting cheaper insurance rates is not a difficult process. The only requirement is to invest a few minutes to compare quotes online from several insurance companies. This can be done by completing this short form.

What factors determine car insurance premiums?

Insurance premiums for your 2004 can be significantly different and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • How many accidents you have had
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Your age
  • Having a spouse can save money
  • Special coverage such as replacement cost
  • Whether or not you have claims
  • Having current coverage saves
  • Whether you rent or own your home

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older models so the costs to repair may end up costing you more. On the flip side, newer models have more advanced features like pedestrian detection, a collision avoidance system, and adaptive headlights that may help give discounted rates.

Coverage for liability

This protects you from damages or injuries you inflict on other's property or people. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy as large an amount as possible.

Auto collision coverage

This coverage pays for damage to your resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

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

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.