You have lots of choices when looking for the best insurance on your vehicle. You can buy direct from a local agent or price shop online to compare pricing from multiple insurance companies. Buying auto insurance on the web is simple to do and at the same time you might just save a little.

Shopping online for auto insurance is challenging if you have never used online quotes. But don't let that discourage you because comparing prices is actually very simple. Reducing your isn't really that difficult. All that's required is to spend a few minutes on the computer to get quotes online with multiple companies. This can be accomplished by visiting this page.

What influences your insurance rates?

Auto insurance rates for a 2009 can vary widely subject to many criteria. Taken into consideration are:

• More performance equals higher cost
• Any accidents you may have
• Multiple policies can save money
• Use of your vehicle
• Young drivers cost more
• Being married can lower rates
• Special coverage such as replacement cost
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that helps determine is the model year. A newer vehicle cost more in comparison to later models so the payout to repair can inflate annual premiums. But more recent vehicles may have a trim level with safety features including a collision avoidance system, sideview assist mirrors, a backup camera, and a telematics system which can provide discounts that lower premiums.

Liability car insurance

2009 liability coverage will cover damages or injuries you inflict on other people or property in an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying higher limits if possible.

Collision coverage protection

Collision insurance will pay to fix damage to your caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2009 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This gives you protection when the "other guys" are uninsured or don't have enough coverage. Since 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 very important.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.