Comparing auto insurance from online companies can be fast and easy and there is a good chance you may find lower rates. The most important part is to take the time to get rates from all providers in order to accurately compare all your choices.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of online companies selling insurance. Getting cheaper insurance rates is actually quite simple. The only requirement is to invest a few minutes to compare quotes provided by online insurance companies. This can be done by getting a quick quote here.

Insurance premiums paid to insure a 2009 can vary widely depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating
• Your location impacts rates
• Annual mileage can affect rates
• Male rates may be higher
• The deductible you choose
• Safety rating of your 2009
• Whether or not you have claims
• Having current coverage saves
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Models that are new have a higher value compared to older models so the cost to replace them can inflate annual premiums. On the flip side, newer vehicles have more advanced features like an advanced theft deterrent system, all-wheel drive, and traction control which can help offset higher rates.

Liability coverage

This coverage can cover damage that occurs to a person or their property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy higher limits if possible.

Auto collision coverage

This coverage covers damage to your from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and may carry a deductible.