You have lots of choices when trying to find low-cost insurance for your vehicle. You can either contact an agent or get quotes online to compare pricing from multiple companies. Shopping for auto insurance online saves time, is easy to do and at the same time you can save money.

Comparing auto insurance rates direct online is challenging if you are a beginner to online quoting. But don't be discouraged because it's actually quite easy. Getting lower is not rocket science. The only thing you need to do is invest a little time getting comparison quotes online from several insurance companies. This is very easy and can be done by visiting this page.

What factors determine ?

Car insurance premiums on a 2004 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. A newer vehicle have a higher replacement value than older models so the costs to repair may result in higher rates. But more recent vehicles may have safety features including a telematics system, adaptive cruise control, and anti-lock brakes which may provide discounts that lower premiums.

Liability coverage

This will cover damages or injuries you inflict on people or other property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 2004 can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This gives you protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.