Drivers have lots of options when shopping for insurance coverage for your vehicle. You can either buy through your neighborhood insurance agent or go online to compare rates from many different auto insurance companies. Comparing auto insurance through online rate quotes can be fast and easy, plus you will probably save money.

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of online companies competing for your business. Getting better can be surprisingly simple. Just take time comparing rates provided by online insurance companies. This can be done by comparing rates here.

Rates are determined by these things

Insurance rates paid to insure a 2009 will vary greatly depending on several factors. Including but not limited to:

  • Higher performance 2009 vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • How you use your vehicle
  • Mature drivers pay less
  • Whether you are married
  • Add-on coverages such as rental reimbursement
  • No claims lowers premiums
  • No coverage lapses saves money
  • Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Newer models have a higher value so the cost to replace them will push premiums up. Conversely, new models may have options such as an advanced theft deterrent system, blind-spot warning system, automatic crash notification, and tire pressure monitors so those may lower rates.

Auto liability - This coverage provides protection from damage or injury you incur to a person or their property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive auto coverage - This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.