Buying car insurance through online companies is easy and there is a good chance you may find lower rates. The key is getting as many rate quotes as possible in order to accurately compare every possible rate.

People who are new to shopping for insurance may think shopping for cheap 2004 insurance is difficult. The are a couple different ways of comparing rates from different insurance companies. The best way to find the cheapest is to get quotes online. This can be accomplished by getting a quick quote here.

Insurance premiums for a 2004 can be significantly different based upon several criteria. Some of these factors include:

• Your driving record
• Better credit means lower rates
• Where you live
• How many miles you drive
• Male rates may be higher
• The deductible you choose
• Safety rating of your 2004
• Your job
• The level of coverage
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new models so repair costs tend to be lower which will push premiums down. Conversely, newer vehicles have more advanced features such as a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control that may help help offset higher rates.

Coverage for liability

Liability insurance can cover damage that occurs to other people or property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as large an amount as possible.

Collision coverage protection

Collision insurance covers damage to your caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder. 2004 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is not an option in every state and may carry a deductible.