Drivers have lots of options when shopping for insurance coverage for your vehicle. You can either contact a local agent or price shop online to compare pricing from multiple insurance companies. Comparing auto insurance on the web is simple to do, plus you might just save a little.

Using the web to shop for auto insurance direct can be difficult if you have never used online rate quotes. But relax because comparing prices is actually very simple. Getting better isn't really that difficult. Just take time to get quotes online with multiple companies. This can be done by visiting this page.

Rates are determined by these factors

Auto insurance rates paid to insure a 2009 will vary greatly subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• How you use your vehicle
• Your age
• Being married can lower rates
• Add-on coverages such as rental reimbursement
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the payout to repair will push premiums up. But newer models may have a trim level with safety features including dual-stage airbags, a telematics system, and pedestrian detection so those may provide discounts that lower premiums.

Liability car insurance - 2009 liability coverage protects you from damage or injury you incur to a person or their property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision coverage - This coverage pays for damage to your from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto insurance - This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses - Med pay and PIP coverage reimburse you for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage.