Shopping for auto insurance by getting online quotes is easy and there is a good chance you can save money. The key is to get rates from all providers so you can get every company's rates.

Consumers not familiar with shopping for insurance may think finding affordable 2004 insurance is nearly impossible. Getting lower can be relatively painless. The only thing you need to do is invest a little time getting comparison quotes from different insurance companies. This is very easy and can be done by completing this short form.

Car insurance premiums paid to insure a 2004 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• Where you reside can make a big difference
• Annual mileage can affect rates
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2004
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so repair costs are higher which may result in higher rates. On the flip side, new models may have safety features like anti-lock brakes, adaptive cruise control, and autonomous braking which may give discounted rates.

Liability

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.