Finding cheaper car insurance by quoting online is easy and there is a good chance you might just save a little. The key is to compare as many rate quotes as possible so you can get the best prices.

Consumers who are new to the process of shopping for insurance may think buying cheap 2004 insurance is hard. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. One of the best ways to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Auto insurance rates for a 2004 will vary greatly based upon several criteria. Some of these factors include:

• Your driving record
• Your credit history
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2004
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so repair costs tend to be lower which will push premiums down. Conversely, newer vehicles may have a trim level with safety features such as blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection so those may give discounted rates.

Liability coverages - Liability insurance can cover damage that occurs to other people or property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverages - This covers damage to your caused by collision with another car or object. You have to 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. It's also possible to bump up the deductible to bring the cost down.

Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical payments - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to fill the gap from your health insurance plan or if you do not have health coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.