Comparing auto insurance online is easy and at the same time you might just save a little. The key is getting as many rate quotes as possible in order to accurately compare the lowest rate quotes.

Beginners to comparison shopping may think shopping for cheap 2004 insurance is very challenging. Lowering your is not rocket science. You just need to take a few minutes to get quotes from different insurance companies. This can be done by getting a quick quote here.

What factors impact car insurance premiums?

Auto insurance rates for a 2004 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• The deductible you choose
• Your vehicle's safety rating
• Claims drive up premiums
• Having current coverage saves
• Whether you rent or own your home

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so repair costs are higher which may end up costing you more. On the flip side, newer vehicles may have a trim level with safety features like pedestrian detection, dual-stage airbags, and blind-spot warning system that may help help offset higher rates.

Liability coverage

Liability insurance can cover damages or injuries you inflict on other people or property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision insurance

This coverage covers damage to your caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not an option in every state and may carry a deductible.