Finding cheaper auto insurance by getting online quotes is easy and there is a good chance you can save money. The key is to take the time to get as many rate quotes as possible so you can get the cheapest rate quotes.

Consumers who are new to the process of shopping for insurance may think purchasing cheap 2004 insurance is nearly impossible. Finding lower can be relatively painless. You just have to spend a little time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Car insurance premiums for a 2004 can vary widely based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2004
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor which can affect is the year of the vehicle. New vehicles have a higher actual cash value than older models so repair costs are higher which can inflate annual premiums. But newer vehicles may have safety features including anti-lock brakes, adaptive headlights, and adaptive cruise control which can give discounted rates.

Liability - Liability insurance can cover damage that occurs to other people or property that is your fault. Liability coverage pays 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 higher limits if possible.

Collision coverage - This covers damage to your caused by collision with another car or object. 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. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - 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 then insurance will cover the rest of the damage. The maximum payout 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/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.