You have many choices when attempting to insure your vehicle. You can either buy through your neighborhood insurance agent or price shop online to compare insurance costs of multiple companies. Comparing car insurance online is simple to do, in addition you will probably save money.

Using the web to shop for car insurance direct can be complicated if you have never used online quoting. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The fastest way to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Insurance rates for your 2004 can fluctuate considerably subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Accidents raise premiums
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Your profession
• The amount of protection requested
• Owning a home can lower rates

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a much lower replacement value so the payout to repair can decrease annual premiums. But newer vehicles may have options including lane departure warning system, traction control, and autonomous braking which may help offset higher rates.

Liability coverage

2004 liability coverage can cover injuries or damage you cause to other's property or people. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Auto collision coverage

This coverage covers damage to your resulting from colliding with another vehicle or an object, but not an animal. A deductible applies 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 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for things like ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.