Shopping for auto insurance by quoting online saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is getting rates from all companies so you can compare the lowest rate quotes.

Comparing auto insurance rates direct online is challenging if you are a beginner to quoting online. But don't be discouraged because comparing prices is actually very simple. Lowering your is a fairly straight forward process. You just need to take a few minutes to get quotes online from several insurance companies. This is very easy and can be done by visiting this page.

What factors determine car insurance premiums?

Auto insurance rates on a 2009 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Male drivers pay higher rates
• Higher deductibles save money
• Your vehicle's safety rating
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that will help determine is the model year. A newer vehicle have a higher replacement value in comparison to later models so the costs to repair may end up costing you more. But new models may have a trim level with safety features including lane departure warning system, anti-lock brakes, and adaptive headlights that may help provide discounts that lower premiums.

Liability coverages

This provides protection from damages or injuries you inflict on people or other property by causing an accident. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2009 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the "other guys" either have no liability insurance or not enough. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.