You have many choices when finding cheaper insurance coverage on your vehicle. You can either buy through an insurance agent or get quotes online to compare insurance costs of multiple companies. Buying auto insurance online saves time, is easy to do, in addition you may find lower rates.

Shopping online for auto insurance can be complicated if you are a beginner to online quotes. But don't be discouraged because we're going to show you how. Finding cheaper coverage prices is not rocket science. All you need to do is take the time to compare quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine insurance rates

Insurance premiums on a 2009 can vary widely and are calculated by many factors. A few of these criteria are:

• High performance increases premiums
• Any accidents you may have
• Multiple policies can save money
• Pleasure use vs. commuting use
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Models that are new cost more compared to older models so the costs to repair can inflate annual premiums. But newer models have more advanced features including forward-collision avoidance, sideview assist mirrors, and all-wheel drive which can help offset higher rates.

Liability coverage

This protects you from injuries or damage you cause to people or other property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy higher limits if possible.

Collision protection

Collision insurance pays for damage to your resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2009 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured or underinsured coverage

This coverage provides protection when the "other guys" do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for bills like ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and may carry a deductible.