There are many options when shopping for car insurance for your vehicle. You can buy direct from your neighborhood insurance agent or shop online to compare insurance costs of companies. Finding cheaper auto insurance by quoting online is easy and there is a good chance you will probably save money.

Consumers who are new to the process of shopping for insurance may think shopping for cut-rate 2009 insurance is hard. Lowering your is a fairly straight forward process. You just need to take a few minutes comparing rates from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Insurance rates for your 2009 can be significantly different based upon several criteria. Some of these factors include:

• The performance level of your 2009
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are new have a higher actual cash value so repair costs are higher which may end up costing you more. But new models may have options including lane departure warning system, anti-lock brakes, and adaptive headlights that may help help offset higher rates.

Liability coverages

Liability insurance provides protection from damage that occurs to other's property or people that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase as large an amount as possible.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another car or object. 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. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. PIP is not universally available and may carry a deductible.