Drivers have lots of options when comparing insurance rates on your vehicle. You can either buy through an insurance agent or price shop online to check prices from many different car insurance companies. Buying car insurance through online rate quotes is simple to do, plus you may find lower rates.

Shopping online for car insurance can be difficult if you have never used online quotes. Don't let that stop you because we're going to show you how. The are a couple different ways of comparing rates and find the best price. One of the best ways to find competitive is to get quotes online. This can be done by completing this short form.

Rates are impacted by the following

Insurance premiums for your 2009 can vary widely subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Any accidents you may have
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Your birth date
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your job
• Insurance coverage level
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new models so the payout to repair can decrease annual premiums. Although newer vehicles have more advanced features included like autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights which can give discounted rates.

Auto liability - 2009 liability coverage can cover damage or injury you incur to other's property or people in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision coverages - Collision insurance covers damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible in order to get cheaper .

Comprehensive auto coverage - Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured and underinsured coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.