You have many choices when shopping for car insurance for your vehicle. You can buy direct from an agent or price shop online to compare pricing from companies. Buying car insurance by quoting online is simple to do, in addition you can save money.

Shopping online for car insurance can be complicated if you have never used online quotes. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes from different insurance companies. By far the easiest way to find the lowest is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine

Car insurance premiums for a 2004 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Multiple policies can save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Older models have a much lower replacement value than newer models so repair costs tend to be lower which can decrease annual premiums. Conversely, newer models may have safety features such as lane departure warning system, anti-lock brakes, and adaptive headlights which can provide discounts that lower premiums.

Liability coverages

2004 liability coverage protects you from injuries or damage you cause to other people or property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision insurance

Collision insurance pays for damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2004 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance will pay to fix 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 payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.