You have many choices when finding cheaper insurance coverage on your vehicle. You can buy direct from an agent or get quotes online to compare insurance costs of a lot of car insurance companies. Comparing car insurance through online companies saves time, is easy to do, in addition you can save money.

Using the web to shop for car insurance direct can be complicated if you are a beginner to online quoting. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes from different insurance companies. The easiest way by far to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Car insurance premiums for a 2009 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Accidents raise premiums
• Home and auto can earn discounts
• Use of your vehicle
• Your age
• Being married may save money
• Optional coverages like vehicle replacement
• Your occupation
• The level of coverage
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so repair costs tend to be lower which may end up costing you less. Conversely, newer models may have safety features such as active head restraints, traction control, and a rollover prevention system which may help offset higher rates.

Coverage for liability

This protects you from injuries or damage you cause to other people or property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as high a limit as you can afford.

Collision protection

This coverage pays for damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company. 2009 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Insurance for medical payments

Med pay and PIP coverage kick in for bills such as ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. PIP coverage is not available in all states and may carry a deductible.