Buying auto insurance by getting online quotes is easy and at the same time you might just save a little. The key is to take the time to get rates from all companies in order to accurately compare the lowest rate quotes.

People who are new to comparison shopping may think purchasing low-cost 2004 insurance is nearly impossible. Lowering your can be relatively painless. You just need to take a few minutes to get quotes from different insurance companies. This can be accomplished by getting a quick quote here.

What factors impact your insurance rates?

Auto insurance rates on a 2004 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Your gender can raise or lower rates
• The deductible you choose
• Your vehicle's safety rating
• Claims drive up premiums
• No coverage lapses saves money
• Whether you rent or own your home

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so repair costs are higher which can inflate annual premiums. Conversely, newer models may have a trim level with safety features such as adaptive headlights, blind-spot warning system, and a rollover prevention system which can help offset higher rates.

Liability

Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision insurance

Collision insurance pays for damage to your resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2004 can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other drivers when they do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not available in all states and may carry a deductible.