There are many options when insurance shopping for your vehicle. You can either buy through an insurance agent or get quotes online to check prices from lots of different providers. Buying auto insurance through online providers saves time, is easy to do and there is a good chance you may find lower rates.

Shopping online for auto insurance can be a challenge if you are a beginner to online rate quotes. But relax because we're going to show you how. Cutting your is surprisingly easy. Drivers just need to take a couple of minutes to compare quotes online from several insurance companies. This can be accomplished by completing this short form.

Insurance premiums paid to insure a 2009 will vary greatly and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Your accident history
• Multiple policies can save money
• How you use your vehicle
• Mature drivers pay less
• Having a spouse can save money
• Extra coverages like towing and rental
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older models so the costs to repair will push premiums up. But new models have more advanced features including lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system so those may give discounted rates.

Liability auto insurance - This provides protection from damage that occurs to a person or their property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Collision - Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance - Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.