Shopping for car insurance through online companies is easy, plus you might just save a little. The key is to take the time to get as many rate quotes as possible in order to accurately compare every possible rate.

Consumers not familiar with buying insurance may think purchasing cheap 2004 insurance is difficult. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The best way to find the cheapest consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by these factors

Auto insurance rates for a 2004 can vary widely based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating
• Where you reside can make a big difference
• How many miles you drive
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 2004
• What you do for a living
• Insurance coverage level
• Home ownership saves money

A final factor that will help determine is the model year. Older cars and trucks have a lower value in comparison to older models so repair costs tend to be lower which will push premiums down. Although newer models may have a trim level with safety features included like a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control which can help offset higher rates.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverage protection

Collision coverage pays for damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers 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 maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. PIP is not available in all states and may carry a deductible.