You have lots of choices when attempting to insure your vehicle. You can buy from your neighborhood insurance agent or get quotes online to check prices from a lot of auto insurance companies. Comparing auto insurance through online companies saves time, is easy to do and at the same time you will probably save money.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quoting. But don't let that discourage you because there is an easy way to compare rates. Getting cheaper insurance rates is not a difficult process. The only requirement is to invest a few minutes comparing rates online from several insurance companies. This can be done by completing this short form.

What factors determine ?

Insurance rates for a 2004 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Home and auto can earn discounts
• Use of your vehicle
• Your age
• Having a spouse can save money
• Special coverage such as replacement cost
• No claims lowers premiums
• Having current coverage saves
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. New vehicles have a higher value so the costs to repair may result in higher rates. On the flip side, newer models may have options like pedestrian detection, a collision avoidance system, and adaptive headlights which may give discounted rates.

Coverage for liability

This protects you from damages or injuries you inflict on other people or property. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This coverage pays for damage to your caused by collision with an object or car. A deductible applies 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 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Because many people have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.