Buying car insurance from online rate quotes can be fast and easy and there is a good chance you may find lower rates. The most important part is to compare rates from all companies in order to have the lowest prices.

If you're new to shopping for car insurance online, you can be overwhelmed by the hoards of companies selling insurance. The are a couple different ways to compare rate quotes from different insurance companies. The easiest way to compare is to get quotes online. This can be accomplished by comparing rates here.

Insurance premiums on a 2009 will vary greatly depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Your credit history
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• Safety rating of your 2009
• Your job
• The level of coverage
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models cost less compared to new models so the cost to replace them may result in lower rates. Conversely, new models have more advanced features such as an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system so those may lower rates.

Liability insurance - This coverage provides protection from damage that occurs to people or other property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as much as you can afford.

Collision - Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in. Collision coverage for your 2009 can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive protection - This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical expense coverage - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.