Buying car insurance through online companies is easy, plus you can save money. The key is to compare rates from as many companies as possible so you can compare the cheapest rate quotes.

People who are new to buying insurance may think buying cut-rate 2009 insurance is difficult. There are several ways to compare quotes from different insurance companies. The recommended way to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by these factors

Car insurance premiums for your 2009 will vary greatly based upon several criteria. Including but not limited to:

• Your driving record
• Your credit history
• Your gender can raise or lower rates
• Higher deductibles save money
• Crash test rating for your 2009
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Older models have a lower value than newer models so the payout to repair will push premiums down. Conversely, newer models may have safety features such as adaptive cruise control, pedestrian detection, and lane departure warning system so those may provide discounts that lower premiums.

Coverage for liability - Liability insurance protects you from damage or injury you incur to other's property or people in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage - Collision insurance pays for damage to your resulting from colliding with a stationary object or other vehicle. You have to 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 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 from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Since 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 very important.

Insurance for medical payments - Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP is not available in all states but can be used in place of medical payments coverage.