Finding cheaper auto insurance from online companies is easy, in addition you might just save a little. The key is to take the time to get rates from all companies so you can get every possible rate.

Consumers who are new to the process of comparing rates may think purchasing low-cost 2009 insurance can be quite difficult. Reducing your is actually quite simple. All that's required is to spend a few minutes on the computer to get quotes from different insurance companies. It is quite easy and can be accomplished by completing this short form.

Criteria which help determine insurance rates

Auto insurance rates on a 2009 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• The size of your community
• The number of annual miles
• Your gender can raise or lower rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Having continuous coverage saves you money
• Owning a home can lower rates

A final factor which can affect is the model year. New vehicles have a higher actual cash value in comparison to later models so repair costs are higher which can inflate annual premiums. Although newer models may have a trim level with safety features included like forward-collision avoidance, automatic crash notification, and tire pressure monitors which can give discounted rates.

Liability coverage

Liability insurance protects you from injuries or damage you cause to people or other property 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 consider buying higher limits if possible.

Collision coverage protection

This pays for damage to your resulting from a 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. Collision coverage for your 2009 can be pricey, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since a lot of drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are used in conjunction with a health insurance policy or if you are not covered by health insurance. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.