Drivers have lots of options when buying insurance for your vehicle. You can buy direct from an insurance agent or get quotes online to check prices from car insurance companies. Comparing auto insurance from online rate quotes saves time, is easy to do, plus you may find lower rates.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how. Finding lower doesn't have to be difficult. You just have to spend a little time to compare quotes online from several insurance companies. This can be done by completing this short form.

Rates are determined by the following

Insurance premiums for a 2004 will vary greatly and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Your accident history
  • Home and auto can earn discounts
  • Use of your vehicle
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • No coverage lapses saves money
  • Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. New vehicles have a higher value compared to older models so the costs to repair will push premiums up. Conversely, newer vehicles have more advanced features such as adaptive cruise control, anti-lock brakes, and active head restraints so those may give discounted rates.

Liability insurance - This can cover damage or injury you incur to other people or property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Collision coverage - This coverage covers damage to your caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2004 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical expense coverage - Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.