Shopping for auto insurance by comparing rates online is easy and there is a good chance you can save money. The key is to take the time to get as many rate quotes as possible so you can get all possible prices.

Consumers not familiar with shopping for insurance may think purchasing cheap 2009 insurance is going to be difficult. Finding cheaper coverage prices can be quick and easy. All you need to do is take the time getting comparison quotes from different insurance companies. This is very easy and can be done by completing this short form.

Car insurance premiums for a 2009 can vary widely based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 2009
• Your claim history
• Having current coverage saves
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. New vehicles have a higher replacement value than older models so repair costs are higher which can inflate annual premiums. On the flip side, newer models may have safety features like adaptive cruise control, lane departure warning system, and pedestrian detection which can give discounted rates.

Auto liability insurance

Liability insurance protects you from damage that occurs to other people or property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision protection

Collision coverage pays for damage to your caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. 2009 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.