You have many choices when insurance shopping for your vehicle. You can either buy through an agent or get quotes online to compare pricing from insurance carriers. Buying car insurance by getting online quotes saves time, is easy to do, in addition you can save money.

Shopping online for car insurance can be complicated if you are a beginner to online quoting. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes from local car insurance companies. 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 fluctuate considerably and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Accidents raise premiums
• Multiple policies can save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• Your coverage level
• 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 may end up costing you less. On the flip side, newer models may have safety features like a telematics system, all-wheel drive, and adaptive headlights which may provide discounts that lower premiums.

Liability - This protects you from injuries or damage you cause to other people or property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as high a limit as you can afford.

Collision - Collision insurance pays for damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. 2004 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - This coverage gives you protection when other motorists do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance - Med pay and PIP coverage kick in for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. PIP coverage is not available in all states but can be used in place of medical payments coverage.