Comparing car insurance by comparing rates online saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is to get rates from all providers so you can get the cheapest rate quotes.

Using the web to shop for car insurance direct can be a challenge if you are a beginner to online quoting. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The recommended way to find competitive involves getting comparison quotes online. This can be accomplished by completing this short form.

Auto insurance rates paid to insure a 2009 can fluctuate considerably and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating impacts rates
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2009
• What you do for a living
• Your coverage level
• Whether you own your home

A final factor that can impact is the model year. Used vehicles cost less in comparison to older models so the costs to repair may end up costing you less. On the flip side, newer vehicles may have a trim level with safety features like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which may give discounted rates.

Auto liability insurance - This can cover damage that occurs to a person or their property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as high a limit as you can afford.

Collision coverage - This coverage covers damage to your from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive insurance - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.