Finding cheaper auto insurance 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 getting rates from all companies so you can get the best prices.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to quoting online. But don't be discouraged because comparing prices is actually very simple. Finding a better price on auto insurance is not rocket science. Consumers just need to spend a few minutes to get quotes online from several insurance companies. It is quite easy and can be accomplished by completing this short form.

Auto insurance rates on a 2009 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2009
• Claims drive up premiums
• Having current coverage saves
• Whether you own your home

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so the costs to repair may end up costing you more. On the flip side, new models may have a trim level with safety features like dual-stage airbags, tire pressure monitors, and blind-spot warning system that may help give discounted rates.

Liability coverage - This provides protection from damage that occurs to people or other property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as large an amount as possible.

Collision coverages - This pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a 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 vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive coverage - This coverage 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 highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.