Finding cheaper auto insurance by getting online quotes is easy and at the same time you will probably save money. The key is to take the time to get rates from as many companies as possible in order to accurately compare the lowest priced insurance.

Consumers who are new to the process of comparison shopping may think purchasing cut-rate 2009 insurance is nearly impossible. Getting better can be relatively painless. Just take time comparing rates from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact your insurance rates?

Insurance rates for your 2009 can vary widely based upon several criteria. Taken into consideration are:

• Your driving record
• Credit rating
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• No claims lowers premiums
• Having continuous coverage saves you money
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are new have a higher actual cash value so repair costs are higher which can inflate annual premiums. Although more recent vehicles may have options included like lane departure warning system, pedestrian detection, and tire pressure monitors which can help offset higher rates.

Liability - Liability insurance will cover damages or injuries you inflict on other's property or people that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverage - This will pay to fix damage to your resulting from colliding with an object or car. You will need to pay your 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 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper .

Comprehensive or Other Than Collision - Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.