You have many choices when trying to find low-cost insurance for your vehicle. You can either contact a local agent or shop online to compare rates from insurance carriers. Shopping for car insurance by getting online quotes is easy, in addition you might just save a little.

Consumers not familiar with comparing rates may think buying affordable 2004 insurance is nearly impossible. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The simplest method to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2004 will vary greatly based upon several criteria. A few of these criteria are:

• The performance level of your 2004
• Your accident history
• Whether you insure your home with the same company
• How you use your vehicle
• Optional coverages like vehicle replacement
• What you do for a living
• The amount of protection requested
• Owning a home can lower rates

A final factor that will help determine is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so the costs to repair will push premiums down. But newer models may have a trim level with safety features including anti-lock brakes, adaptive cruise control, and autonomous braking so those may lower rates.

Liability

Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as much as you can afford.

Coverage for collisions

Collision coverage pays for damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that 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 important protection for you and your family.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP is not available in all states and gives slightly broader coverage than med pay.