You have many choices when shopping for car insurance for your vehicle. You can either contact an agent or price shop online to compare rates from multiple insurance companies. Shopping for auto insurance on the web is simple to do, in addition you can save money.

Comparing auto insurance rates direct online can be complicated if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. Lowering your isn't really that difficult. You just need to take a few minutes getting comparison quotes online with multiple companies. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Car insurance premiums on a 2004 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Your age
• Whether you are married
• Optional coverages like vehicle replacement
• Your claim history
• Having current coverage saves
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Newer models have a higher replacement value than older models so the payout to repair will push premiums up. On the flip side, newer models may have safety features like a telematics system, blind-spot warning system, and sideview assist mirrors so those may lower rates.

Liability car insurance

2004 liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision insurance

Collision coverage pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to 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 older vehicles. You can also raise the deductible to get cheaper .

Comprehensive auto insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount a auto 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 dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Due to the fact that many 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 is important protection for you and your family.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.