Drivers have lots of options when buying insurance for your vehicle. You can buy direct from your neighborhood insurance agent or go online to compare insurance costs of many different car insurance companies. Comparing car insurance through online rate quotes can be fast and easy, plus you will probably save money.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of online car insurance companies and websites competing for your business. To find the best car insurance prices, there are several ways to get quotes from different insurance companies. The recommended way to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by...

Insurance rates for your 2004 can fluctuate considerably depending on several factors. Including but not limited to:

  • Higher performance 2004 vehicles cost more
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Young drivers cost more
  • Being married may save money
  • Add-on coverages such as rental reimbursement
  • Your profession
  • The level of coverage
  • Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a lower value so the payout to repair may result in lower rates. Conversely, more recent vehicles may have options such as dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which may help offset higher rates.

Auto liability - This coverage will cover damage or injury you incur to other's property or people. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision coverage - This coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be utilized in addition to your health insurance program or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.