Shopping for car insurance from online rate quotes is simple to do and there is a good chance you can save money. The critical component is to get as many rate quotes as possible so you can compare the lowest prices.

Comparing car insurance rates direct online can be a challenge if you have never used online quoting. But don't let that discourage you because it's actually quite easy. There are several ways of comparing rates from car insurance companies in your area. The easiest way to find the lowest consists of shopping online. This can be accomplished by visiting this page.

Car insurance premiums for a 2009 can fluctuate considerably subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating impacts rates
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 2009
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks cost less than newer models so repair costs tend to be lower which can decrease annual premiums. But newer vehicles may have safety features including an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which may provide discounts that lower premiums.

Liability insurance - 2009 liability coverage can cover damage that occurs to other people or property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as high a limit as you can afford.

Collision - Collision coverage covers damage to your caused by collision with another car or object. A deductible applies 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. Another option is to raise the deductible to save money on collision insurance.

Comprehensive protection - Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The most you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage.