Buying car insurance through online companies is easy and there is a good chance you might just save a little. The key is to take the time to get rates from all providers so you can get every option.

People who are new to shopping for insurance may think purchasing affordable 2004 insurance is difficult. When shopping for car insurance there are multiple ways to compare rate quotes from local car insurance companies. The quickest method to find competitive is to get quotes online. This can be accomplished by completing this short form.

Auto insurance rates paid to insure a 2004 can vary widely based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating
• Where you live
• Annual mileage can affect rates
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2004
• What you do for a living
• Your coverage level
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the costs to repair will push premiums down. On the flip side, new models may have a trim level with safety features like a telematics system, adaptive cruise control, and traction control which can give discounted rates.

Coverage for liability

Liability insurance provides protection from damage that occurs to a person or their property in an accident. 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 consider buying higher limits if possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.