Drivers have lots of options when comparing insurance rates on your vehicle. You can either contact an agent or shop online to compare pricing from multiple companies. Shopping for auto insurance online is easy, plus you can save money.

Consumers not familiar with buying insurance may think purchasing low-cost 2009 insurance is very challenging. Finding a better price on auto insurance is not rocket science. Consumers just need to spend a few minutes getting comparison quotes from different insurance companies. This is very easy and can be done by visiting this page.

Car insurance rates influenced by...

Car insurance premiums on a 2009 can vary widely based upon several criteria. Including but not limited to:

• The performance level of your 2009
• Any accidents you may have
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your claim history
• Maintaining coverage lowers rates
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. A newer vehicle have a higher replacement value than older models so repair costs are higher which can inflate annual premiums. But more recent vehicles may have safety features including dual-stage airbags, tire pressure monitors, and blind-spot warning system which can provide discounts that lower premiums.

Liability coverage - Liability insurance will cover damage or injury you incur to people or other property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverages - Collision coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2009 can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage - This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.