You have lots of choices when finding cheaper insurance coverage on your vehicle. You can either contact an agent or shop online to check prices from car insurance companies. Finding cheaper car insurance from online rate quotes is easy and at the same time you can save money.

Consumers who are new to the process of comparison shopping may think buying cut-rate 2009 insurance is more work than they want to put in. There are several ways to compare quotes and find the best price. The easiest way by far to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

What factors impact the rate you pay?

Car insurance premiums for your 2009 will vary greatly based upon several criteria. Taken into consideration are:

• The performance level of your 2009
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your occupation
• Insurance coverage level
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the payout to repair will push premiums down. Although newer models may have safety features included like active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors so those may give discounted rates.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on other's property or people that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision protection

This pays for damage to your resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.