Shopping for car insurance by getting online quotes is easy and there is a good chance you will probably save money. The key is to get as many rate quotes as possible so you can compare the lowest rate quotes.

Consumers not familiar with shopping for insurance may think finding cheap 2009 insurance is nearly impossible. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. By far the easiest way to find the lowest consists of shopping online. This can be accomplished by visiting this page.

Insurance rates for a 2009 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• Male rates may be higher
• Higher deductibles save money
• Safety rating of your 2009
• Your profession
• The amount of protection requested
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. Older cars and trucks cost less so repair costs tend to be lower which will push premiums down. But newer vehicles may have options including adaptive headlights, blind-spot warning system, and a rollover prevention system which may provide discounts that lower premiums.

Liability

Liability insurance can cover damage that occurs to other people or property by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision insurance

Collision coverage covers damage to your caused by collision with another car or object. A deductible applies and then insurance will cover the remainder. 2009 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. PIP is not an option in every state but can be used in place of medical payments coverage.