Drivers have lots of options when insurance shopping for your vehicle. You can buy direct from an agent or price shop online to compare rates from insurance providers. Finding cheaper auto insurance by comparing rates online is simple to do, plus you can save money.

Finding the best direct price on auto insurance can be difficult if you have never used online rate quotes. Don't let that stop you because it's actually quite easy. Cutting your can be quick and easy. Drivers just need to take a couple of minutes getting comparison quotes online with multiple companies. It is quite easy and can be accomplished by comparing rates here.

Premiums are calculated by...

Car insurance premiums for your 2004 will vary greatly subject to many criteria. Including but not limited to:

  • More performance equals higher cost
  • Your accident history
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • Your claim history
  • Maintaining coverage lowers rates
  • Home ownership saves money

An additional factor which can affect is the year of the vehicle. Newer models have a higher actual cash value than older models so the payout to repair will push premiums up. But more recent vehicles may have safety features including automatic crash notification, sideview assist mirrors, blind-spot warning system, and all-wheel drive so those may lower rates.

Auto liability insurance - 2004 liability coverage will cover damage or injury you incur to other's property or people that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision - This will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You have to 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 older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.