You have many choices when attempting to insure your vehicle. You can either contact an insurance agent or get quotes online to compare rates from many different car insurance companies. Finding cheaper car insurance through online rate quotes saves time, is easy to do, in addition you may find lower rates.

Finding the best direct price on car insurance can be complicated if you are a beginner to online quoting. But don't let that discourage you because we're going to show you how. The are a couple different ways to compare quotes from car insurance companies in your area. The fastest way to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance premiums for a 2004 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• Your age
• Whether you are married
• Optional coverages like vehicle replacement
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new models so repair costs tend to be lower which may end up costing you less. But newer models have more advanced features including autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which may lower rates.

Auto liability

This protects you from injuries or damage you cause to other people or property that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as high a limit as you can afford.

Auto collision coverage

This pays for damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. 2004 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.