Comparing car insurance online is easy and there is a good chance you might just save a little. The key is to take the time to get rates from all companies so you can compare every option.

Beginners to shopping for insurance may think purchasing low-cost 2009 insurance is very challenging. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The quickest method to find the lowest involves getting comparison quotes online. This can be accomplished by visiting this page.

Auto insurance rates on a 2009 can vary widely based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating
• Your location impacts rates
• The number of annual miles
• Your gender can raise or lower rates
• Higher deductibles save money
• Safety rating of your 2009
• What you do for a living
• Your coverage level
• Whether you own your home

A final factor that can impact is the model year. Used vehicles cost less in comparison to older models so the cost to replace them will push premiums down. On the flip side, newer models may have a trim level with safety features like sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which can provide discounts that lower premiums.

Liability coverage

Liability insurance protects you from damage that occurs to people or other property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision coverage

This coverage pays for damage to your resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2009 can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper .

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP is not available in all states but can be used in place of medical payments coverage.