There are many options when comparing insurance rates on your vehicle. You can either contact a local agent or go online to compare insurance costs of multiple companies. Finding cheaper car insurance online can be fast and easy and there is a good chance you might just save a little.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to get quotes from local car insurance companies. One of the best ways to find the cheapest is to perform an online rate comparison. This can be accomplished by getting a quick quote here.

Auto insurance rates for your 2004 can fluctuate considerably depending on several factors. Some of these factors include:

• Higher performance 2004 vehicles cost more
• Accidents raise premiums
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• What you do for a living
• Your coverage level
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the payout to repair may result in lower rates. On the flip side, more recent vehicles may have a trim level with safety features like dual-stage airbags, tire pressure monitors, and blind-spot warning system which may help offset higher rates.

Liability coverage - This coverage will cover damage that occurs to other's property or people that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision coverages - This will pay to fix damage to your resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage provides protection when other motorists are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Personal Injury Protection is only offered in select states and may carry a deductible.