There are many options when shopping for car insurance for your vehicle. You can buy direct from a local agent or go online to compare insurance costs of a lot of auto insurance companies. Shopping for auto insurance through online companies can be fast and easy and there is a good chance you might just save a little.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of auto insurance companies vying for your business. Lowering your is not a difficult process. You just need to take a few minutes to get quotes provided by online insurance companies. This is very easy and can be done by getting a quick quote here.

Auto insurance rates for a 2009 can vary widely depending on several factors. Some of these factors include:

• Higher performance 2009 vehicles cost more
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Your birth date
• Being married may save money
• Extra coverages like towing and rental
• Claims drive up premiums
• Having current coverage saves
• Whether you own your home

A final factor that will help determine is the model year. Models that are new have a higher replacement value in comparison to later models so the cost to replace them can inflate annual premiums. On the flip side, newer vehicles may have a trim level with safety features like a telematics system, a collision avoidance system, tire pressure monitors, and traction control which can help offset higher rates.

Coverage for liability

This coverage can cover damage that occurs to other people or property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision insurance

Collision coverage covers damage to your caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in. 2009 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not an option in every state and may carry a deductible.