Drivers have lots of options when comparing insurance rates on your vehicle. You can either buy through a local agent or shop online to compare pricing from a lot of auto insurance companies. Comparing auto insurance through online companies is easy, plus you might just save a little.

Beginners to buying insurance may think shopping for cheap 2004 insurance is difficult. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes to get quotes from different insurance companies. This can be done by visiting this page.

Rates are determined by...

Auto insurance rates for a 2004 can be significantly different based upon several criteria. Including but not limited to:

  • The performance level of your 2004
  • How many accidents you have had
  • Home and auto can earn discounts
  • Use of your vehicle
  • Young drivers cost more
  • Being married can lower rates
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Home ownership saves money

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so repair costs are higher which may end up costing you more. But more recent vehicles may have a trim level with safety features including anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera that may help provide discounts that lower premiums.

Coverage for liability - Liability insurance will cover damage or injury you incur to other people or property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverages - This coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.