Buying auto insurance through online rate quotes is easy, in addition you might just save a little. The key is getting as many rate quotes as possible in order to accurately compare all possible prices.

People who are new to comparing rates may think shopping for cheap 2009 insurance is going to be difficult. Finding cheaper coverage prices can be surprisingly simple. All you need to do is take the time to get quotes from different insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine

Auto insurance rates for a 2009 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Claims drive up premiums
• No coverage lapses saves money
• Owning a home can lower rates

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so repair costs are higher which may end up costing you more. Conversely, more recent vehicles may have a trim level with safety features such as lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system that may help help offset higher rates.

Auto liability

Liability insurance will cover injuries or damage you cause to other people or property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision protection

Collision insurance will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. 2009 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.