Finding cheaper car insurance from online rate quotes can be fast and easy and there is a good chance you might just save a little. The most important part is to get rates from as many companies as possible so you can get every company's rates.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of online car insurance companies and websites vying for your business. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The simplest method to find competitive is to perform an online rate comparison. This can be accomplished by completing this short form.

Auto insurance rates for your 2009 can fluctuate considerably depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Credit rating impacts rates
• The size of your community
• High miles vs. low miles
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 2009
• What you do for a living
• Your coverage level
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the payout to repair may result in lower rates. On the flip side, newer models may have a trim level with safety features like tire pressure monitors, anti-lock brakes, and forward-collision avoidance which may give discounted rates.

Liability insurance

This coverage protects you from damage that occurs to other's property or people that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Coverage for collisions

This pays for damage to your resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to get cheaper .

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are utilized in addition to your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.