You have lots of choices when buying insurance for your vehicle. You can either contact an agent or get quotes online to compare pricing from insurance carriers. Comparing auto insurance by getting online quotes saves time, is easy to do and at the same time you can save money.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online quotes. But don't be discouraged because it's actually quite easy. Finding lower can be relatively painless. You just have to spend a little time getting comparison quotes online from several insurance companies. This can be done by visiting this page.

What factors determine your insurance rates?

Car insurance premiums on a 2009 can vary widely and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Any accidents you may have
• Home and auto can earn discounts
• 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 can impact is the year of the vehicle. A newer vehicle have a higher value than older models so the costs to repair can inflate annual premiums. But newer vehicles may have safety features including anti-lock brakes, adaptive headlights, and adaptive cruise control which can provide discounts that lower premiums.

Liability - This can cover damages or injuries you inflict on people or other property. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy higher limits if possible.

Collision coverage - This coverage covers damage to your resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2009 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 or Other Than Collision - 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 maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance - Coverage for medical payments and/or PIP 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 policy or if there is no health insurance coverage. PIP coverage is not an option in every state but can be used in place of medical payments coverage.