Finding cheaper car insurance by comparing rates online is easy and there is a good chance you may find lower rates. The key is to get rates from all providers so you can compare the cheapest rate quotes.

Consumers who are new to the process of shopping for insurance may think finding affordable 2004 insurance is going to be difficult. The are a couple different ways to get quotes from car insurance companies in your area. The recommended way to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

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
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 2004
• Your job
• The amount of protection requested
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old cost less compared to new models so the costs to repair will push premiums down. But more recent vehicles have more advanced features including a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which may provide discounts that lower premiums.

Auto liability insurance - Liability insurance will cover damage that occurs to a person or their property that is your fault. 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 buy as high a limit as you can afford.

Collision coverage - This will pay to fix damage to your 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 lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive insurance - This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The most you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.