Buying car insurance through online rate quotes saves time, is easy to do, plus you may find lower rates. The key to finding lower rates is to compare rates from all companies in order to have the lowest prices.

Shopping online for car insurance can be difficult if you are a beginner to online rate quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes and find the best price. The easiest way to compare is to get quotes online. This can be done by comparing rates here.

Rates are impacted by...

Insurance premiums on a 2009 will vary greatly and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Your credit history
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Crash test rating for your 2009
• Your job
• Insurance coverage level
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new models so the cost to replace them may end up costing you less. Although more recent vehicles have more advanced features included like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may lower rates.

Auto liability - This will cover damage or injury you incur to people or other property in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as much as you can afford.

Collision - Collision insurance will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You have to 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 lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive auto coverage - This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.