There are many options when attempting to insure your vehicle. You can either contact a local agent or shop online to check prices from multiple companies. Finding cheaper car insurance online is easy and there is a good chance you might just save a little.

Consumers who are new to the process of shopping for insurance may think finding affordable 2004 insurance is very challenging. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. The fastest way to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Auto insurance rates paid to insure a 2004 can fluctuate considerably based upon several criteria. Some of these factors include:

  • The performance level of your 2004
  • Accidents raise premiums
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Extra coverages like towing and rental
  • What you do for a living
  • Your coverage level
  • Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the costs to repair will push premiums down. On the flip side, more recent vehicles may have a trim level with safety features like lane departure warning system, traction control, and autonomous braking which may give discounted rates.

Liability coverage

Liability insurance will cover damage that occurs to a person or their property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Auto collision coverage

This will pay to fix damage to your from colliding with another car or object. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don't have enough coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.