Buying car insurance by comparing rates online saves time, is easy to do and at the same time you will probably save money. The key to finding lower rates is to get as many rate quotes as possible in order to accurately compare the best prices.

Shopping online for car insurance is challenging if you are a beginner to online quoting. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes and find the best price. One of the best ways to find the cheapest is to get quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine ?

Insurance rates for a 2009 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• Tickets increase premiums
• Credit rating impacts rates
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Your profession
• Insurance coverage level
• Whether you rent or own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models have a reduced actual cash value so repair costs tend to be lower which may end up costing you less. Although more recent vehicles may have options included like forward-collision avoidance, adaptive cruise control, and active head restraints which may help offset higher rates.

Auto liability insurance - This will cover damages or injuries you inflict on other people or property in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so purchase as high a limit as you can afford.

Collision coverages - Collision insurance will pay to fix damage to your caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company. 2009 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive insurance - Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim 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 and underinsured coverage - This provides protection from other motorists when they are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. PIP coverage is only offered in select states and may carry a deductible.