Finding cheaper car insurance through online rate quotes saves time, is easy to do and there is a good chance you might just save a little. The key to finding lower rates is getting rates from all providers so you can compare every option.

Finding the best direct price on car insurance can be a challenge if you are a beginner to quoting online. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from car insurance companies in your area. The quickest method to find the lowest is to perform an online rate comparison. This can be accomplished by visiting this page.

Auto insurance rates paid to insure a 2009 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• The size of your community
• Annual mileage can affect rates
• Men typically pay more than women
• Higher deductibles save money
• Safety rating of your 2009
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the costs to repair may end up costing you less. But more recent vehicles may have a trim level with safety features including lane departure warning system, a telematics system, and adaptive headlights that may help provide discounts that lower premiums.

Auto liability

This will cover damage that occurs to a person or their property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage

This will pay to fix damage to your from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.