You have lots of choices when insurance shopping for your vehicle. You can buy from a local agent or go online to check prices from lots of different providers. Buying car insurance through online providers can be fast and easy and at the same time you might just save a little.

If you're new to shopping for car insurance online, it's easy to be confused by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare quotes and find the best price. The easiest way to find competitive is to get quotes online. It is quite easy and can be accomplished by completing this short form.

Which factors influence ?

Auto insurance rates for your 2004 can fluctuate considerably depending on several factors. Taken into consideration are:

  • Higher performance 2004 vehicles cost more
  • Accidents raise premiums
  • Multiple policies can save money
  • Pleasure, commuting or business use can affect rates
  • Your age
  • Having a spouse can save money
  • Special coverage such as replacement cost
  • What you do for a living
  • Insurance coverage level
  • Whether you rent or own your home

A final factor that helps determine is the model year. Older models have a reduced actual cash value in comparison to older models so the payout to repair may result in lower rates. Although newer models may have a trim level with safety features included like lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which may give discounted rates.

Liability auto insurance - This coverage protects you from damages or injuries you inflict on other's property or people in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision - Collision insurance pays for damage to your resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Medical expense insurance - Med pay and PIP coverage pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are utilized in addition to your health insurance program or if you are not covered by health insurance. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.