Buying auto insurance through online companies is simple to do, in addition you might just save a little. The critical component is to get rates from as many companies as possible in order to accurately compare the lowest priced insurance.

Shopping online for auto insurance can be complicated if you have never used online quoting. Don't let that stop you because comparing prices is actually very simple. Getting better is not a difficult process. Just take time to get quotes online with multiple companies. This can be accomplished by getting a quick quote here.

Criteria which help determine your insurance rates

Auto insurance rates for your 2009 can fluctuate considerably subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Credit rating impacts rates
• Male drivers pay higher rates
• The deductible you choose
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the payout to repair may result in higher rates. But new models may have a trim level with safety features including tire pressure monitors, traction control, and adaptive cruise control which may help offset higher rates.

Coverage for liability - 2009 liability coverage provides protection from injuries or damage you cause to other's property or people in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as high a limit as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies 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 vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when the "other guys" either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not universally available and may carry a deductible.