You have lots of choices when buying insurance for your vehicle. You can either buy through an agent or go online to compare pricing from multiple companies. Comparing auto insurance online can be fast and easy and at the same time you can save money.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of online companies offering insurance. Finding lower is not rocket science. You just have to spend a little time getting comparison quotes provided by online insurance companies. This can be done by visiting this page.

Which factors influence car insurance premiums?

Car insurance premiums paid to insure a 2009 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 2009 vehicles cost more
• How many accidents you have had
• Home and auto can earn discounts
• How you use your vehicle
• Special coverage such as replacement cost
• Your claim history
• No coverage lapses saves money
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so the cost to replace them may end up costing you more. Conversely, newer vehicles may have safety features such as adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes that may help provide discounts that lower premiums.

Liability coverage - This coverage can cover damages or injuries you inflict on a person or their property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - This coverage covers damage to your from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage - This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage.