Buying car insurance through online companies is simple to do and there is a good chance you can save money. The critical component is to take the time to get rates from all providers so you can get all your choices.

Shopping online for car insurance can be a challenge if you have never used online quotes. But relax because it's actually quite easy. There are several ways to compare quotes from car insurance companies in your area. The fastest way to find competitive is to get quotes online. This can be accomplished by completing this short form.

Car insurance premiums paid to insure a 2009 can vary widely subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Credit rating
• Where you live
• Annual mileage can affect rates
• Your gender can raise or lower rates
• Low deductibles cost more
• Safety rating of your 2009
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that helps determine is the year of the vehicle. Older models cost less than newer models so the costs to repair can decrease annual premiums. But newer models may have safety features including pedestrian detection, a collision avoidance system, and adaptive headlights which can give discounted rates.

Coverage for liability

2009 liability coverage protects you from damage that occurs to a person or their property in an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Auto collision coverage

Collision insurance pays for damage to your from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.