Buying car insurance by comparing rates online is simple to do, in addition you will probably save money. The critical component is to get as many rate quotes as possible in order to accurately compare the lowest rate quotes.

Shopping online for car insurance can be complicated if you have never used online quoting. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from local car insurance companies. By far the easiest way to find the cheapest is to get quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Insurance rates for a 2009 can fluctuate considerably subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Credit rating impacts rates
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Your profession
• Your coverage level
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a much lower replacement value so repair costs tend to be lower which can decrease annual premiums. On the flip side, more recent vehicles may have options like a backup camera, automatic crash notification, pedestrian detection, and blind-spot warning system which may help offset higher rates.

Auto liability insurance

2009 liability coverage will cover injuries or damage you cause to other people or property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision insurance

Collision insurance will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. 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 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most a car 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 not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states and may carry a deductible.