There are many options when looking for the best insurance on your vehicle. You can get prices from a local agent or go online to compare rates from car insurance companies. Comparing car insurance from online rate quotes can be fast and easy and there is a good chance you might just save a little.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of online companies vying for your business. When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The best way to compare involves getting comparison quotes online. This can be accomplished by comparing rates here.

Auto insurance rates paid to insure a 2004 can fluctuate considerably depending on several factors. Some of these factors include:

  • Higher performance 2004 vehicles cost more
  • Accidents raise premiums
  • Home and auto can earn discounts
  • How you use your vehicle
  • Extra coverages like towing and rental
  • What you do for a living
  • Your coverage level
  • Whether you own your home

A final factor that can impact is the model year. Used vehicles cost less in comparison to older models so the costs to repair may result in lower rates. On the flip side, newer vehicles may have a trim level with safety features like an advanced theft deterrent system, forward-collision avoidance, and a backup camera which may lower rates.

Liability insurance

This coverage can cover damage that occurs to a person or their property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverage protection

This coverage covers damage to your from colliding with another car or object. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.