Comparing auto insurance from online rate quotes is simple to do, in addition you might just save a little. The critical component is to compare rates from all providers in order to accurately compare the best prices.

Using the web to shop for auto insurance direct can be complicated if you have never used online rate quotes. But relax because comparing prices is actually very simple. Finding a better price on auto insurance doesn't have to be difficult. Consumers just need to spend a few minutes to get quotes online with multiple companies. This can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2009 will vary greatly subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Your credit history
• Male rates may be higher
• The deductible you choose
• NTSB crash rating for your vehicle
• Claims drive up premiums
• No coverage lapses saves money
• Owning a home can lower rates

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the payout to repair will push premiums up. Conversely, newer vehicles may have a trim level with safety features such as a collision avoidance system, all-wheel drive, adaptive cruise control, and lane departure warning system so those may help offset higher rates.

Liability insurance - 2009 liability coverage can cover injuries or damage you cause to a person or their property. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision coverages - This coverage covers damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive protection - This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical expense coverage - Coverage for medical payments and/or PIP reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal injury protection coverage is not an option in every state and may carry a deductible.