Comparing auto insurance on the web saves time, is easy to do, plus you can save money. The key to finding lower rates is getting rates from all companies in order to accurately compare the lowest rate quotes.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. Lowering your isn't really that difficult. You just need to take a few minutes getting comparison quotes online from several insurance companies. This can be done by getting a quick quote here.

Rates are determined by...

Car insurance premiums on a 2009 can be significantly different and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Better credit means lower rates
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2009
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the costs to repair may end up costing you more. Conversely, more recent vehicles may have safety features such as a telematics system, blind-spot warning system, and sideview assist mirrors that may help help offset higher rates.

Liability car insurance

This will cover damage or injury you incur to people or other property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as large an amount as possible.

Collision insurance

This coverage will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. You first must 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. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive auto insurance

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is only offered in select states and may carry a deductible.