Comparing car insurance on the web is easy and at the same time you will probably save money. The key is to get as many rate quotes as possible in order to have the cheapest rate quotes.

Beginners to comparison shopping may think finding cheap 2004 insurance is not very easy. To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The recommended way to compare involves getting comparison quotes online. It is quite easy and can be accomplished by comparing rates here.

What factors impact ?

Insurance rates for a 2004 can fluctuate considerably based upon several criteria. Taken into consideration are:

  • Your driving record
  • Credit rating impacts rates
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Your vehicle's safety rating
  • Your profession
  • The amount of protection requested
  • Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a reduced actual cash value so repair costs tend to be lower which will push premiums down. But newer models may have options including tire pressure monitors, active head restraints, and pedestrian detection which may lower rates.

Liability car insurance - Liability insurance protects you from damages or injuries you inflict on other people or property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision coverage - This coverage pays for damage to your caused by collision with an object or car. A deductible applies and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive car insurance - Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses - Med pay and PIP coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP is not available in all states and gives slightly broader coverage than med pay.