Buying car insurance by comparing rates online is easy and there is a good chance you might just save a little. The key is to compare rates from all providers so you can get every company's rates.

People who are new to shopping for insurance may think buying affordable 2009 insurance is going to be difficult. When shopping for car insurance there are multiple ways to get quotes and find the best price. The simplest method to find competitive is to get quotes online. This can be accomplished by completing this short form.

Auto insurance rates paid to insure a 2009 will vary greatly based upon several criteria. Some of these factors include:

• Your driving record
• Your credit history
• Where you live
• Annual mileage can affect rates
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 2009
• What you do for a living
• Insurance coverage level
• Whether you own your home

A final factor that helps determine is the model year. Older models cost less in comparison to older models so the costs to repair will push premiums down. Although more recent vehicles may have a trim level with safety features included like blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system so those may give discounted rates.

Auto liability insurance

Liability insurance will cover damage that occurs to a person or their property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as much as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive insurance

This pays to fix your vehicle from 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 amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Since many 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 is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.