There are many options when looking for the best insurance on your vehicle. You can either contact your neighborhood insurance agent or go online to compare insurance costs of multiple insurance companies. Finding cheaper car insurance on the web can be fast and easy and there is a good chance you will probably save money.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of car insurance companies competing for your business. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The best way to find the cheapest is to perform an online rate comparison. This can be accomplished by getting a quick quote here.

Insurance rates for a 2004 can vary widely depending on several factors. Some of these factors include:

• Higher performance 2004 vehicles cost more
• Any accidents you may have
• Home/auto policy bundles save money
• Use of your vehicle
• Your age
• Being married may save money
• Extra coverages like towing and rental
• Your profession
• The amount of protection requested
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old cost less so repair costs tend to be lower which may result in lower rates. But newer models may have options including a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which can help offset higher rates.

Liability car insurance

This coverage protects you from damage that occurs to other people or property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase higher limits if possible.

Collision coverage protection

This pays for damage to your caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. 2004 collision insurance is rather expensive coverage, so you might think about 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 car insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not available in all states and may carry a deductible.