Comparing auto insurance by quoting online is simple to do and at the same time you might just save a little. The critical component is to compare rates from as many companies as possible in order to accurately compare every possible rate.

Using the web to shop for auto insurance direct is challenging if you have never used online rate quotes. Don't let that stop you because comparing prices is actually very simple. Reducing your is a fairly straight forward process. All that's required is to spend a few minutes on the computer to get quotes online with multiple companies. This can be done by getting a quick quote here.

What influences the rate you pay?

Auto insurance rates for your 2009 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• Your location impacts rates
• High miles vs. low miles
• Male drivers pay higher rates
• The deductible you choose
• Your vehicle's safety rating
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so the payout to repair will push premiums up. Although new models may have a trim level with safety features included like dual-stage airbags, sideview assist mirrors, and active head restraints so those may help offset higher rates.

Liability coverages

2009 liability coverage provides protection from damages or injuries you inflict on other's property or people. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so consider buying as much as you can afford.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper .

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This provides protection from other motorists when they either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is not universally available and may carry a deductible.