Buying car insurance by comparing rates online is easy, in addition you may find lower rates. The key is to take the time to get as many rate quotes as possible in order to have all possible prices.

People who are new to comparing rates may think purchasing cheap 2009 insurance is going to be difficult. The are a couple different ways to compare rate quotes from local car insurance companies. The easiest way by far to compare is to get quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance premiums for a 2009 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your job
• Your coverage level
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new models so repair costs tend to be lower which will push premiums down. On the flip side, new models have more advanced features like adaptive cruise control, lane departure warning system, and pedestrian detection which can lower rates.

Auto liability insurance

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

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. 2009 collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Since 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 very important.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. PIP is not universally available and gives slightly broader coverage than med pay.