Comparing car insurance from online companies is easy, plus you can save money. The key is to take the time to get as many rate quotes as possible in order to have all possible prices.

Beginners to buying insurance may think purchasing cheap 2004 insurance can be quite difficult. There are several ways to compare rate quotes from local car insurance companies. The easiest way by far to compare involves getting comparison quotes online. This can be done by comparing rates here.

Rates are determined by these things

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

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Crash test rating for your 2004
• Your occupation
• Your coverage level
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so repair costs tend to be lower which will push premiums down. On the flip side, new models may have safety features like forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive which can lower rates.

Liability coverage

Liability insurance provides protection from damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision protection

This coverage pays to fix your vehicle from damage 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 older vehicles. You can also raise the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not universally available and gives slightly broader coverage than med pay.