Finding cheaper car insurance on the web 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 to take the time to get rates from all providers in order to have every possible rate.

Finding the best direct price on car insurance can be a challenge if you are a beginner to online quotes. But relax because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes and find the best price. The best way to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

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

• Tickets increase premiums
• Credit rating
• The size of your community
• Annual mileage can affect rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• Safety rating of your 2009
• What you do for a living
• Insurance coverage level
• 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. Although more recent vehicles may have a trim level with safety features included like a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which can lower rates.

Liability car insurance

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

Collision coverage protection

This will pay to fix damage to your from colliding with another car or object. You will need to pay your 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. You can also bump up the deductible in order to get cheaper .

Comprehensive car insurance

This pays for 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 maximum payout you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.