Finding cheaper car insurance online is simple to do and at the same time you can save money. The critical component is to take the time to get as many rate quotes as possible in order to accurately compare the lowest rate quotes.

Finding the best direct price on car insurance is challenging if you have never used online quotes. But don't let that discourage you because it's actually quite easy. There are several ways to get quotes and find the best price. By far the easiest way to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What influences your insurance rates?

Car insurance premiums for a 2009 can vary widely subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so repair costs tend to be lower which can decrease annual premiums. Although more recent vehicles may have safety features included like pedestrian detection, dual-stage airbags, and blind-spot warning system which can help offset higher rates.

Liability coverage

2009 liability coverage will cover damages or injuries you inflict on other people or property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Collision insurance

This will pay to fix damage to your caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2009 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and may carry a deductible.