Comparing auto insurance through online providers saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is getting as many rate quotes as possible so you can compare the cheapest rate quotes.

Using the web to shop for auto insurance direct is challenging if you are a beginner to quoting online. But don't let that discourage you because comparing prices is actually very simple. Finding lower is surprisingly easy. You just have to spend a little time to get quotes online from several insurance companies. This can be done by visiting this page.

What factors determine car insurance premiums?

Auto insurance rates for a 2009 can be significantly different and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Better credit means lower rates
• Your gender can raise or lower rates
• Higher deductibles save money
• Your vehicle's safety rating
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

A final factor that can impact is the model year. A newer vehicle have a higher value in comparison to later models so the costs to repair may end up costing you more. But newer models may have a trim level with safety features including active head restraints, an advanced theft deterrent system, and lane departure warning system that may help provide discounts that lower premiums.

Liability auto insurance - This protects you from damages or injuries you inflict on other people or property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage - This coverage pays for damage to your caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2009 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection when the "other guys" do not carry enough liability coverage. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance - Med pay and PIP coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.