Drivers have lots of options when insurance shopping for your vehicle. You can either buy through your neighborhood insurance agent or shop online to check prices from many different auto insurance companies. Shopping for auto insurance through online rate quotes is easy, plus you will probably save money.

Consumers not familiar with buying insurance may think shopping for low-cost 2009 insurance is going to be difficult. Cutting your can be surprisingly simple. Drivers just need to take a couple of minutes comparing rates from different insurance companies. This is very easy and can be done by completing this short form.

Car insurance rates influenced by these factors

Insurance rates on a 2009 can be significantly different based upon several criteria. Including but not limited to:

• The performance level of your 2009
• How many accidents you have had
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Your age
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• No claims lowers premiums
• Maintaining coverage lowers rates
• Home ownership saves money

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so repair costs are higher which may end up costing you more. But newer models may have options including an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags that may help give discounted rates.

Auto liability - Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision - Collision coverage pays for damage to your resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 2009 can be pricey, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments and PIP coverage - Med pay and PIP coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.