There are many options when buying insurance for your vehicle. You can either buy through an insurance agent or shop online to compare rates from companies. Finding cheaper auto insurance by quoting online is easy and there is a good chance you may find lower rates.

Consumers who are new to the process of shopping for insurance may think buying cheap 2004 insurance is hard. Finding lower is a fairly straight forward process. You just have to spend a little time to compare quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

Insurance premiums for a 2004 will vary greatly based upon several criteria. Some of these factors include:

• The performance level of your 2004
• Your accident history
• Home/auto policy bundles save money
• Use of your vehicle
• Extra coverages like towing and rental
• Whether or not you have claims
• Having current coverage saves
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older models so repair costs are higher which will push premiums up. On the flip side, newer vehicles have more advanced features like tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control so those may lower rates.

Liability coverages - Liability insurance can cover damage that occurs to other people or property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverage - This covers damage to your caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive coverages - Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP is not an option in every state and gives slightly broader coverage than med pay.