You have lots of choices when trying to find low-cost insurance for your vehicle. You can either contact a local agent or go online to compare insurance costs of insurance carriers. Finding cheaper auto insurance by getting online quotes can be fast and easy and at the same time you might just save a little.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of companies vying for your business. Getting lower can be relatively painless. The only thing you need to do is invest a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence the rate you pay?

Auto insurance rates on a 2004 will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance 2004 vehicles cost more
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure use vs. commuting use
  • Special coverage such as replacement cost
  • Claims drive up premiums
  • No coverage lapses saves money
  • Whether you rent or own your home

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so the cost to replace them will push premiums up. Conversely, new models may have a trim level with safety features such as anti-lock brakes, adaptive cruise control, and autonomous braking so those may help offset higher rates.


This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2004 can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is not universally available and may carry a deductible.