Finding cheaper auto insurance from online rate quotes is easy, in addition you will probably save money. The key is to take the time to get rates from as many companies as possible so you can compare the cheapest rate quotes.

Consumers who are new to the process of comparing rates may think purchasing cut-rate 2009 insurance is more work than they want to put in. Finding lower doesn't have to be difficult. You just have to spend a little time comparing rates from different insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine your insurance rates

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

• Your driving record
• Credit rating
• Male drivers pay higher rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• No claims lowers premiums
• No coverage lapses saves money
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. A newer vehicle have a higher actual cash value so repair costs are higher which can inflate annual premiums. Conversely, new models may have options such as adaptive cruise control, anti-lock brakes, and active head restraints which can provide discounts that lower premiums.

Liability insurance - Liability insurance provides protection from injuries or damage you cause to other's property or people that is your fault. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverage - This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage - Medical payments and Personal Injury Protection insurance provide coverage for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not universally available but can be used in place of medical payments coverage.