Comparing auto insurance from online rate quotes is easy and at the same time you will probably save money. The key is to get rates from all companies so you can get the lowest prices.

Beginners to comparison shopping may think finding low-cost 2004 insurance is more work than they want to put in. Cutting your doesn't have to be difficult. Drivers just need to take a couple of minutes comparing rates from different insurance companies. This can be done by completing this short form.

What factors impact ?

Insurance rates on a 2004 can fluctuate considerably based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating impacts rates
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• 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 repair costs are higher which may result in higher rates. On the flip side, newer models may have options like an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which may give discounted rates.

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

Collision - This coverage pays for damage to your resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2004 can be pricey, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to get cheaper .

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

UM/UIM 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.

Medical expense coverage - Med pay and PIP coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.