There are many options when insurance shopping for your vehicle. You can either contact your neighborhood insurance agent or shop online to compare insurance costs of car insurance companies. Comparing auto insurance from online rate quotes is easy and there is a good chance you will probably save money.

Beginners to shopping for insurance may think shopping for cheap 2004 insurance is more work than they want to put in. Cutting your doesn't have to be difficult. Drivers just need to take a couple of minutes comparing rates from different insurance companies. This can be done by getting a quick quote here.

Insurance rates for a 2004 can be significantly different based upon several criteria. Some of these factors include:

• The performance level of your 2004
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Extra coverages like towing and rental
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Models that are new have a higher value so repair costs are higher which may end up costing you more. But newer models may have options including an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system that may help help offset higher rates.

Liability insurance - Liability insurance protects you from damage that occurs to other people or property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision - This coverage pays for damage to your caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive protection - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense coverage - Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP is not available in all states and may carry a deductible.