Drivers have lots of options when attempting to insure your vehicle. You can either contact a local agent or shop online to compare insurance costs of multiple companies. Buying car insurance online is easy, plus you might just save a little.

People who are new to buying insurance may think purchasing cut-rate 2004 insurance is very challenging. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. The fastest way to find the cheapest is to get quotes online. This can be done by getting a quick quote here.

Rates are impacted by these factors

Auto insurance rates for your 2004 can vary widely based upon several criteria. Including but not limited to:

• The performance level of your 2004
• Any accidents you may have
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• What you do for a living
• The amount of protection requested
• Home ownership saves money

A final factor that helps determine is the model year. Older models have a lower value in comparison to older models so the payout to repair will push premiums down. But newer models may have a trim level with safety features including lane departure warning system, traction control, and autonomous braking which can help offset higher rates.

Liability coverage

Liability insurance protects you from damage or injury you incur to other's property or people in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage covers 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 payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not available in all states and may carry a deductible.