Finding cheaper auto insurance on the web is easy, in addition you might just save a little. The key is getting rates from all providers so you can compare all your choices.

Consumers who are new to the process of comparing rates may think shopping for affordable 2004 insurance is not very easy. Getting cheaper insurance rates isn't really that difficult. The only requirement is to invest a few minutes to get quotes from different insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2004 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• The size of your community
• Annual mileage can affect rates
• Men typically pay more than women
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Having current coverage saves
• Owning a home can lower rates

A final factor which can affect is the model year. A newer vehicle have a higher actual cash value in comparison to later models so repair costs are higher which may end up costing you more. On the flip side, more recent vehicles may have a trim level with safety features like automatic crash notification, anti-lock brakes, and a backup camera that may help provide discounts that lower premiums.

Liability car insurance

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Auto collision coverage

This will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive auto insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. PIP is only offered in select states but can be used in place of medical payments coverage.