There are many options when trying to insure your vehicle. You can buy direct from a local agent or get quotes online to compare rates from insurance carriers. Buying car insurance by getting online quotes saves time, is easy to do and there is a good chance you might just save a little.

Shopping online for car insurance can be a challenge if you are a beginner to quoting online. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The quickest method to compare is to get quotes online. This can be accomplished by comparing rates here.

Auto insurance rates for a 2004 can be significantly different and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• How many accidents you have had
• Multiple policies can save money
• Use of your vehicle
• Extra coverages like towing and rental
• What you do for a living
• The level of coverage
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so repair costs tend to be lower which may end up costing you less. Conversely, more recent vehicles may have a trim level with safety features such as a telematics system, dual-stage airbags, a rollover prevention system, and a collision avoidance system that may help lower rates.

Liability

This will cover damage that occurs to other people or property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage

Collision insurance will pay to fix damage to your caused by collision with another car or object. You first must 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 vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.