Drivers have lots of options when shopping for insurance coverage for your vehicle. You can either contact a local agent or get quotes online to compare rates from lots of different providers. Finding cheaper car insurance through online providers saves time, is easy to do, plus you might just save a little.

Finding the best direct price on car insurance can be difficult if you are a beginner to online rate quotes. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates and find the best price. The best method to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by the following

Auto insurance rates paid to insure a 2004 will vary greatly and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Your accident history
• Home/auto policy bundles save money
• How you use your vehicle
• Your birth date
• Whether you are married
• Add-on coverages such as rental reimbursement
• What you do for a living
• Insurance coverage level
• Home ownership saves money

A final factor which can affect is the model year. Models that are a few years old have a lower value in comparison to older models so the costs to repair may end up costing you less. Although newer vehicles may have a trim level with safety features included like all-wheel drive, a telematics system, and autonomous braking so those may lower rates.

Liability auto insurance - This can cover damage or injury you incur to a person or their property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying as much as you can afford.

Collision coverage - This covers damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive (Other than Collision) - This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance - Coverage for medical payments and/or PIP kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.