Drivers have lots of options when attempting to insure your vehicle. You can get prices from an agent or shop online to compare rates from multiple insurance companies. Comparing auto insurance on the web is easy, plus you can save money.

Beginners to buying insurance may think purchasing cheap 2004 insurance is not very easy. Getting cheaper insurance rates isn't really that difficult. The only requirement is to invest a few minutes getting comparison quotes from different insurance companies. This can be done by comparing rates here.

Rates are determined by...

Car insurance premiums for a 2004 can vary widely based upon several criteria. Including but not limited to:

• The performance level of your 2004
• Any accidents you may have
• Home and auto can earn discounts
• Use of your vehicle
• Young drivers cost more
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your claim history
• Having current coverage saves
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Newer models have a higher value than older models so repair costs are higher which can inflate annual premiums. On the flip side, more recent vehicles may have safety features like automatic crash notification, anti-lock brakes, and a backup camera which can lower rates.

Liability car insurance

Liability insurance will cover damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Auto collision coverage

This coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive auto insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is only offered in select states and gives slightly broader coverage than med pay.