Drivers have lots of options when comparing insurance rates on your vehicle. You can get prices from a local agent or price shop online to compare pricing from insurance carriers. Comparing car insurance by getting online quotes is simple to do, plus you might just save a little.

Using the web to shop for car insurance direct can be difficult if you have never used quoting online. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. One of the best ways to find the lowest involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by the following

Auto insurance rates on a 2004 can be significantly different subject to many criteria. Including but not limited to:

• More performance equals higher cost
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so the cost to replace them can decrease annual premiums. Conversely, newer vehicles may have a trim level with safety features such as pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification that may help provide discounts that lower premiums.

Liability - 2004 liability coverage can cover damage or injury you incur to people or other property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision coverages - This coverage covers damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2004 can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.