Drivers have lots of options when shopping for insurance coverage for your vehicle. You can buy direct from an agent or price shop online to compare rates from lots of different providers. Shopping for car insurance through online providers is simple to do, plus you can save money.

Comparing car insurance rates direct online can be difficult if you have never used quoting online. Don't let that stop you because it's actually quite easy. There are several ways to get quotes from different insurance companies. The best method to compare consists of shopping online. This can be done by comparing rates here.

Car insurance rates influenced by...

Car insurance premiums for your 2009 can be significantly different subject to many criteria. Including but not limited to:

• More performance equals higher cost
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Young drivers cost more
• Whether you are married
• Add-on coverages such as rental reimbursement
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so the payout to repair can decrease annual premiums. Conversely, more recent vehicles may have safety features such as all-wheel drive, a telematics system, and autonomous braking that may help lower rates.

Liability auto insurance - 2009 liability coverage will cover damage or injury you incur to other's property or people by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so you should buy as large an amount as possible.

Collision coverage - Collision coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.