You have lots of choices when trying to find low-cost insurance for your vehicle. You can buy from a local agent or price shop online to compare rates from companies. Shopping for auto insurance by quoting online is simple to do and at the same time you might just save a little.

Comparing auto insurance rates direct online is challenging if you have never used online quoting. But don't let that discourage you because comparing prices is actually very simple. Getting lower is a fairly straight forward process. The only thing you need to do is invest a little time to get quotes online with multiple companies. This is very easy and can be done by comparing rates here.

What influences ?

Auto insurance rates for a 2009 can fluctuate considerably subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Accidents raise premiums
• Whether you insure your home with the same company
• Use of your vehicle
• Special coverage such as replacement cost
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that will help determine is the model year. Newer models have a higher replacement value in comparison to later models so the payout to repair may result in higher rates. But newer models may have a trim level with safety features including tire pressure monitors, a telematics system, autonomous braking, and adaptive headlights which may lower rates.

Liability coverages

2009 liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Coverage for collisions

Collision coverage pays for damage to your caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage. 2009 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay.