You have many choices when shopping for insurance coverage for your vehicle. You can get prices from an agent or go online to compare rates from insurance providers. Shopping for auto insurance by comparing rates online can be fast and easy, in addition you can save money.

If shopping for auto insurance online is new to you, you may be confused by the hoards of online companies offering insurance. Getting better can be quick and easy. Just take time getting comparison quotes provided by online insurance companies. This is very easy and can be done by comparing rates here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 2009 can vary widely depending on several factors. A few of these criteria are:

• Higher performance 2009 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• How you use your vehicle
• Optional coverages like vehicle replacement
• Your claim history
• Having current coverage saves
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Newer models have a higher replacement value than older models so the cost to replace them can inflate annual premiums. On the flip side, new models may have safety features like anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights which can lower rates.

Auto liability insurance - This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverage - Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper .

Comprehensive insurance - This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.