Buying auto insurance through online providers is easy, plus you might just save a little. The key is to compare rates from all providers so you can compare the lowest priced insurance.

People who are new to buying insurance may think buying affordable 2004 insurance is hard and time consuming. Getting better is surprisingly easy. Just take time to get quotes from different insurance companies. This can be accomplished by visiting this page.

Rates are impacted by...

Auto insurance rates paid to insure a 2004 will vary greatly based upon several criteria. Including but not limited to:

  • Your driving record
  • Your credit history
  • Men typically pay more than women
  • Higher deductibles save money
  • Crash test rating for your 2004
  • Claims drive up premiums
  • Having current coverage saves
  • Home ownership saves money

A final factor that helps determine is the model year. A newer vehicle cost more in comparison to later models so repair costs are higher which will push premiums up. On the flip side, more recent vehicles may have a trim level with safety features like all-wheel drive, a telematics system, and autonomous braking so those may provide discounts that lower premiums.

Liability auto insurance - Liability insurance will cover damage or injury you incur to a person or their property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your from colliding with a stationary object or other vehicle. 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. Another option is to bump up the deductible to get cheaper .

Comprehensive (Other than Collision) - This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. PIP is only offered in select states but can be used in place of medical payments coverage.