You have many choices when shopping for car insurance for your vehicle. You can either buy through an insurance agent or price shop online to compare rates from many different car insurance companies. Finding cheaper car insurance through online rate quotes is simple to do, in addition you may find lower rates.

Finding the best direct price on car insurance can be complicated if you have never used online quoting. But don't be discouraged because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. By far the easiest way to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Insurance premiums on a 2004 can fluctuate considerably subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Mature drivers pay less
• Whether you are married
• Optional coverages like vehicle replacement
• Your job
• The level of coverage
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new models so the cost to replace them can decrease annual premiums. Conversely, new models have more advanced features such as adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which may lower rates.

Auto liability

2004 liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your 2004 can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.