Shopping for auto insurance through online rate quotes is easy and there is a good chance you can save money. The key is to get rates from all companies so you can get the best prices.

Consumers not familiar with shopping for insurance may think finding low-cost 2004 insurance is going to be difficult. Finding a better price on auto insurance can be surprisingly simple. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done by completing this short form.

Car insurance premiums on a 2004 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 2004
• Your claim history
• Maintaining coverage lowers rates
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so repair costs are higher which may result in higher rates. But more recent vehicles may have safety features including autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights which may give discounted rates.

Auto liability - Liability insurance will cover damage that occurs to people or other property by causing an accident. 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 you should buy as high a limit as you can afford.

Collision coverages - Collision coverage will pay to fix damage to your resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2004 can be pricey, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. 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.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance program or if there is no health insurance coverage. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.