There are many options when finding cheaper insurance coverage on your vehicle. You can either contact a local agent or price shop online to compare insurance costs of insurance providers. Comparing auto insurance by comparing rates online is simple to do and there is a good chance you might just save a little.

Using the web to shop for auto insurance direct can be a challenge if you have never used quoting online. Don't let that stop you because comparing prices is actually very simple. Finding cheaper coverage prices can be quick and easy. All you need to do is take the time to get quotes online with multiple companies. This can be done by getting a quick quote here.

Auto insurance rates for your 2004 can be significantly different subject to many criteria. Some of these factors include:

  • More performance equals higher cost
  • How many accidents you have had
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • Maintaining coverage lowers rates
  • Whether you own your home

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the payout to repair may end up costing you more. But more recent vehicles may have a trim level with safety features including adaptive cruise control, lane departure warning system, and pedestrian detection that may help help offset higher rates.

Auto liability insurance

2004 liability coverage will cover damage that occurs to other's property or people. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision protection

This coverage will pay to fix damage to your resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the "other guys" are uninsured or don't have enough 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.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.