Shopping for auto insurance from online companies is simple to do and there is a good chance you may find lower rates. The critical component is getting rates from as many companies as possible so you can get every option.

Comparing auto insurance rates direct online can be a challenge if you have never used quoting online. Don't let that stop you because we're going to show you how. Finding a lower price on 2009 insurance is actually quite simple. You just have to take a little time to compare quotes online with multiple companies. This is very easy and can be done by completing this short form.

Insurance premiums for your 2009 can be significantly different subject to many criteria. Some of these factors include:

• Traffic citations increase rates
• Better credit means lower rates
• Where you reside can make a big difference
• High miles vs. low miles
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 2009
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so the payout to repair may end up costing you more. But more recent vehicles have more advanced features including lane departure warning system, dual-stage airbags, and sideview assist mirrors that may help give discounted rates.

Liability coverage

2009 liability coverage will cover damage that occurs to other's property or people by causing 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 buy as large an amount as possible.

Collision coverage

Collision coverage will pay to fix damage to your resulting from colliding 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 makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage.