There are many options when insurance shopping for your vehicle. You can buy direct from an agent or get quotes online to compare insurance costs of multiple insurance companies. Comparing auto insurance on the web saves time, is easy to do and there is a good chance you can save money.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online quotes. Don't let that stop you because it's actually quite easy. Cutting your isn't really that difficult. Drivers just need to take a couple of minutes getting comparison quotes online from several insurance companies. This can be done by getting a quick quote here.

Car insurance premiums for your 2004 can vary widely and are calculated by many factors. Some of these factors include:

  • High performance increases premiums
  • Any accidents you may have
  • Home and auto can earn discounts
  • Pleasure, commuting or business use can affect rates
  • Your age
  • Being married may save money
  • Extra coverages like towing and rental
  • Your claim history
  • Having current coverage saves
  • Whether you own your home

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the costs to repair can inflate annual premiums. On the flip side, newer models may have safety features like pedestrian detection, active head restraints, and a backup camera which can help offset higher rates.

Liability car insurance - This protects you from damage that occurs to other's property or people. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so you should buy higher limits if possible.

Collision - This coverage pays for damage to your resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper .

Comprehensive auto insurance - Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

UM/UIM Coverage - Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses - Med pay and PIP coverage kick in for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is not available in all states and may carry a deductible.