Finding cheaper car insurance by quoting online saves time, is easy to do, in addition you may find lower rates. The key to finding lower rates is to get rates from all companies in order to have the cheapest rate quotes.

Finding the best direct price on car insurance can be complicated if you are a beginner to online quoting. But don't be discouraged because we're going to show you how. The are a couple different ways to get quotes from different insurance companies. The recommended way to compare is to perform an online rate comparison. This is very easy and can be done by comparing rates here.

Criteria which help determine insurance rates

Insurance premiums on a 2009 can fluctuate considerably and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Credit rating impacts rates
• Men typically pay more than women
• Deductible amount directly impacts your rate
• NTSB crash rating for your vehicle
• Your job
• The level of coverage
• Owning a home can lower rates

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a much lower replacement value compared to new models so the cost to replace them may end up costing you less. Conversely, more recent vehicles have more advanced features such as tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which may lower rates.

Liability coverages - This will cover injuries or damage you cause to people or other property that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so buy as high a limit as you can afford.

Collision coverage - This will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. A deductible applies 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 lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverages - This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage kick in for bills like ambulance fees, surgery, and doctor visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. PIP coverage is only offered in select states and gives slightly broader coverage than med pay.