You have lots of choices when trying to insure your vehicle. You can buy from an agent or get quotes online to compare pricing from lots of different providers. Comparing auto insurance through online providers saves time, is easy to do and at the same time you can save money.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online rate quotes. But don't be discouraged because it's actually quite easy. Finding a lower price on 2009 insurance is surprisingly easy. You just have to take a little time getting comparison quotes online from several insurance companies. This can be done by visiting this page.

What factors determine the rate you pay?

Car insurance premiums on a 2009 will vary greatly and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Your age
• Being married can lower rates
• Special coverage such as replacement cost
• Your claim history
• Maintaining coverage lowers rates
• Whether you rent or own your home

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so the costs to repair will push premiums up. But newer models may have safety features including a backup camera, autonomous braking, active head restraints, and all-wheel drive so those may provide discounts that lower premiums.

Liability auto insurance

This protects you from damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as much as you can afford.

Collision coverage

This coverage pays for damage to your resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2009 can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The maximum 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 Motorist or Underinsured Motorist insurance

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, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance plan 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.