You have many choices when insurance shopping for your vehicle. You can either buy through an agent or get quotes online to compare insurance costs of companies. Finding cheaper car insurance by quoting online saves time, is easy to do, in addition you can save money.

Finding the best direct price on car insurance can be complicated if you are a beginner to online quotes. But relax because it's actually quite easy. There are several ways of comparing rates and find the best price. The easiest way to find the cheapest is to perform an online rate comparison. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 2009 can vary widely and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Any accidents you may have
• Home/auto policy bundles save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• Your occupation
• Insurance coverage level
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a much lower replacement value than newer models so the costs to repair may end up costing you less. Although newer vehicles may have safety features included like all-wheel drive, a rollover prevention system, and adaptive headlights which can help offset higher rates.

Liability coverages - This can cover injuries or damage you cause to a person or their property that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy higher limits if possible.

Collision - This covers damage to your from colliding with another vehicle or an object, but not an animal. You will need to pay your 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 older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive coverages - This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments - Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP coverage is not an option in every state and may carry a deductible.