You have many choices when finding cheaper insurance coverage on your vehicle. You can either buy through an insurance agent or price shop online to compare rates from multiple companies. Shopping for car insurance online is simple to do, in addition you may find lower rates.

Comparing car insurance rates direct online can be complicated if you have never used quoting online. But don't be discouraged because we're going to show you how. The are a couple different ways to compare rate quotes from car insurance companies in your area. The easiest way by far to compare consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Insurance premiums on a 2004 can be significantly different subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a much lower replacement value compared to new models so the cost to replace them can decrease annual premiums. But new models have more advanced features including forward-collision avoidance, sideview assist mirrors, and all-wheel drive that may help lower rates.

Liability coverage

2004 liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as large an amount as possible.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2004 can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.