There are many options when trying to insure your vehicle. You can buy direct from an agent or price shop online to compare pricing from companies. Comparing auto insurance by quoting online is simple to do and there is a good chance you can save money.

Using the web to shop for auto insurance direct can be a challenge if you have never used online rate quotes. But don't be discouraged because it's actually quite easy. Finding a lower price on 2009 insurance is a fairly straight forward process. You just have to take a little time getting comparison quotes online with multiple companies. This can be done by visiting this page.

Car insurance premiums on a 2009 will vary greatly subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Your accident history
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so the payout to repair will push premiums up. Conversely, new models may have safety features such as traction control, active head restraints, a backup camera, and an advanced theft deterrent system so those may provide discounts that lower premiums.

Liability coverages

2009 liability coverage provides protection from damage that occurs to people or other property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2009 can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.