Shopping for car insurance by comparing rates online is easy, plus you will probably save money. The key is to compare rates from all companies in order to accurately compare all possible prices.

Consumers not familiar with buying insurance may think buying low-cost 2004 insurance is going to be difficult. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The easiest way by far to find the cheapest consists of shopping online. This can be done by getting a quick quote here.

Car insurance rates influenced by these factors

Insurance rates on a 2004 will vary greatly based upon several criteria. Including but not limited to:

• Your driving record
• Your credit history
• Your gender can raise or lower rates
• The deductible you choose
• Crash test rating for your 2004
• Your profession
• The amount of protection requested
• Home ownership saves money

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks have a lower value so the cost to replace them will push premiums down. But newer models may have options including adaptive cruise control, lane departure warning system, and pedestrian detection so those may help offset higher rates.

Auto liability insurance

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as much as you can afford.

Collision protection

Collision coverage pays for damage to your resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2004 can be pricey, so consider dropping it 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 insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP is not available in all states and may carry a deductible.