Buying auto insurance on the web saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to take the time to get rates from all providers so you can compare every company's rates.

Shopping online for auto insurance can be a challenge if you are a beginner to online quotes. But relax because there is an easy way to compare rates. Getting lower isn't really that difficult. The only thing you need to do is invest a little time comparing rates online from several insurance companies. This can be accomplished by visiting this page.

Insurance rates paid to insure a 2009 can vary widely and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Credit rating
• Where you live
• Annual mileage can affect rates
• Male drivers pay higher rates
• Higher deductibles save money
• Safety rating of your 2009
• No claims lowers premiums
• No coverage lapses saves money
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. A newer vehicle cost more so the costs to repair can inflate annual premiums. Conversely, new models may have options such as lane departure warning system, a telematics system, and a collision avoidance system which can provide discounts that lower premiums.

Liability car insurance

This provides protection from damage that occurs to a person or their property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. 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 vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive auto insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.