You have many choices when attempting to insure your vehicle. You can buy direct from your neighborhood insurance agent or price shop online to compare insurance costs of car insurance companies. Buying auto insurance from online rate quotes is simple to do, in addition you will probably save money.

Shopping online for auto insurance can be complicated if you have never used online rate quotes. But relax because there is an easy way to compare rates. Getting cheaper insurance rates doesn't have to be difficult. The only requirement is to invest a few minutes comparing rates online with multiple companies. This can be accomplished by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a 2009 will vary greatly subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Your accident history
• Multiple policies can save money
• How you use your vehicle
• Optional coverages like vehicle replacement
• No claims lowers premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

One last important factor that helps determine the rate you pay on your is the year of manufacture. Models that are new cost more so the payout to repair will push premiums up. Although more recent vehicles may have options included like forward-collision avoidance, adaptive cruise control, and lane departure warning system so those may help offset higher rates.

Liability insurance

2009 liability coverage will cover injuries or damage you cause to a person or their property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive protection

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Personal injury protection coverage is only offered in select states and may carry a deductible.