Shopping for auto insurance by comparing rates online is easy, plus you will probably save money. The key is getting rates from as many companies as possible so you can compare the best prices.

Consumers not familiar with buying insurance may think shopping for cut-rate 2009 insurance is going to be difficult. Finding a better price on auto insurance can be quick and easy. Consumers just need to spend a few minutes comparing rates from different insurance companies. This is very easy and can be done by visiting this page.

Car insurance rates influenced by...

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

• Your driving record
• Better credit means lower rates
• Men typically pay more than women
• Higher deductibles save money
• Crash test rating for your 2009
• 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. A newer vehicle have a higher replacement value so repair costs are higher which may end up costing you more. But more recent vehicles may have options including forward-collision avoidance, adaptive cruise control, and active head restraints that may help provide discounts that lower premiums.

Auto liability insurance - Liability insurance will cover damage or injury you incur to other's property or people 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 coverages - Collision coverage will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance coverage will pay to fix 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 is not worth much it's not worth carrying full coverage.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.