Comparing auto insurance through online companies is easy and there is a good chance you can save money. The key is to get as many rate quotes as possible so you can get the best prices.

Beginners to shopping for insurance may think finding cheap 2004 insurance is difficult. Finding a better price on auto insurance is not a difficult process. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This can be done by completing this short form.

Car insurance premiums for a 2004 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2004
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor that can impact is the year of the vehicle. New vehicles have a higher value than older models so repair costs are higher which may result in higher rates. Conversely, new models may have safety features such as anti-lock brakes, adaptive headlights, blind-spot warning system, and a backup camera which may give discounted rates.

Coverage for liability - Liability insurance provides protection from damage that occurs to other people or property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverages - This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. It's also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance program or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.