Shopping for car insurance by getting online quotes can be fast and easy, plus you can save money. The most important part is to take the time to get rates from all providers so you can compare all possible prices.

If shopping for car insurance online is new to you, you may be overwhelmed by the hoards of online companies offering insurance. There are several ways to get quotes from car insurance companies in your area. The easiest way by far to find the lowest consists of shopping online. This can be done by visiting this page.

Car insurance rates influenced by...

Car insurance premiums paid to insure a 2009 can vary widely depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• Higher deductibles save money
• Crash test rating for your 2009
• Your occupation
• The amount of protection requested
• Home ownership saves money

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a lower value than newer models so the costs to repair may result in lower rates. But more recent vehicles may have safety features including traction control, adaptive headlights, and automatic crash notification which can provide discounts that lower premiums.

Liability

This coverage will cover damage or injury you incur to a person or their property by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your from colliding with a stationary object or other vehicle. 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. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.