You have lots of choices when finding cheaper insurance coverage on your vehicle. You can either buy through an agent or shop online to compare rates from many different companies. Shopping for car insurance from online companies is easy and at the same time you can save money.

Consumers not familiar with comparison shopping may think finding affordable 2009 insurance can be quite difficult. There are several ways of comparing rates from car insurance companies in your area. The easiest way by far to compare consists of shopping online. It is quite easy and can be accomplished by comparing rates here.

What factors impact ?

Car insurance premiums paid to insure a 2009 can fluctuate considerably based upon several criteria. Taken into consideration are:

• The performance level of your 2009
• Accidents raise premiums
• Whether you insure your home with the same company
• How you use your vehicle
• Special coverage such as replacement cost
• Your occupation
• The amount of protection requested
• Whether you rent or own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks have a reduced actual cash value than newer models so the costs to repair will push premiums down. But newer vehicles may have safety features including forward-collision avoidance, a collision avoidance system, dual-stage airbags, and all-wheel drive which may lower rates.

Liability coverage

Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision protection

Collision coverage covers damage to your from colliding with an object or car. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive 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 or underinsured coverage

This protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.