There are many options when trying to find low-cost insurance for your vehicle. You can buy direct from a local agent or go online to compare rates from a lot of auto insurance companies. Buying auto insurance through online companies can be fast and easy and there is a good chance you might just save a little.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies vying for your business. Getting lower is not a difficult process. The only thing you need to do is invest a little time to get quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Auto insurance rates for a 2004 will vary greatly depending on several factors. Some of these factors include:

• Higher performance 2004 vehicles cost more
• Your accident history
• Multiple policies can save money
• Use of your vehicle
• Mature drivers pay less
• Whether you are married
• Extra coverages like towing and rental
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor that helps determine is the model year. Newer models cost more in comparison to later models so the cost to replace them will push premiums up. But new models may have a trim level with safety features including adaptive cruise control, autonomous braking, and lane departure warning system so those may lower rates.

Coverage for liability

This coverage provides protection from damage that occurs to other people or property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as much as you can afford.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in. 2004 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.