There are many options when trying to find low-cost insurance for your vehicle. You can either contact a local agent or price shop online to compare rates from insurance providers. Buying auto insurance by comparing rates online is simple to do and there is a good chance you might just save a little.

Shopping online for auto insurance can be a challenge if you have never used quoting online. But don't be discouraged because comparing prices is actually very simple. Getting lower can be quick and easy. The only thing you need to do is invest a little time to get quotes online with multiple companies. This can be accomplished by comparing rates here.

Auto insurance rates on a 2009 can be significantly different subject to many criteria. Some of these factors include:

• More performance equals higher cost
• How many accidents you have had
• Multiple policies can save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that helps determine is the model year. Newer models cost more in comparison to later models so the payout to repair may end up costing you more. Although new models may have a trim level with safety features included like blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system that may help lower rates.

Auto liability insurance

2009 liability coverage provides protection from damage that occurs to people or other property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2009 can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper .

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.