There are many options when shopping for insurance coverage for your vehicle. You can buy from a local agent or shop online to compare rates from multiple insurance companies. Finding cheaper car insurance on the web is easy and there is a good chance you might just save a little.

Consumers who are new to the process of shopping for insurance may think buying cut-rate 2009 insurance is not very easy. When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The best method to compare is to perform an online rate comparison. This can be accomplished by comparing rates here.

Auto insurance rates for your 2009 will vary greatly based upon several criteria. Some of these factors include:

• The performance level of your 2009
• Your accident history
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Your birth date
• Whether you are married
• Extra coverages like towing and rental
• What you do for a living
• Your coverage level
• Whether you own your home

A final factor which can affect is the model year. Models that are a few years old cost less in comparison to older models so the payout to repair will push premiums down. On the flip side, newer vehicles may have a trim level with safety features like dual-stage airbags, a telematics system, and pedestrian detection so those may lower rates.

Liability car insurance - Liability insurance can cover damage that occurs to other's property or people that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as much as you can afford.

Collision coverage - This covers damage to your resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive car insurance - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum amount you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. PIP is not an option in every state and gives slightly broader coverage than med pay.