You have many choices when insurance shopping for your vehicle. You can get prices from an agent or get quotes online to compare pricing from a lot of auto insurance companies. Shopping for auto insurance through online companies saves time, is easy to do, in addition you can save money.

Comparing auto insurance rates direct online can be complicated if you are a beginner to online rate quotes. Don't let that stop you because it's actually quite easy. Cutting your is not a difficult process. Drivers just need to take a couple of minutes getting comparison quotes online from several insurance companies. This is very easy and can be done by visiting this page.

Criteria which help determine your insurance rates

Car insurance premiums for your 2009 will vary greatly and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Your accident history
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Your age
• Being married can lower rates
• Optional coverages like vehicle replacement
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. A newer vehicle have a higher replacement value than older models so the costs to repair will push premiums up. Conversely, newer models may have safety features such as a rollover prevention system, forward-collision avoidance, and dual-stage airbags so those may provide discounts that lower premiums.

Coverage for liability - This protects you from injuries or damage you cause to other's property or people by causing an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as much as you can afford.

Collision - Collision coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage will pay to fix 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 maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage - This coverage gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments - Med pay and PIP coverage kick in for bills such as ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.