Shopping for auto insurance through online companies is easy and there is a good chance you may find lower rates. The key is to compare rates from as many companies as possible so you can get every possible rate.

Consumers not familiar with shopping for insurance may think buying cut-rate 2009 insurance is difficult. Reducing your is not a difficult process. All that's required is to spend a few minutes on the computer to compare quotes from different insurance companies. This is very easy and can be done by completing this short form.

Insurance premiums for your 2009 will vary greatly based upon several criteria. Some of these factors include:

• Your driving record
• Your credit history
• Where you reside can make a big difference
• High miles vs. low miles
• Men typically pay more than women
• Low deductibles cost more
• Safety rating of your 2009
• Whether or not you have claims
• Having continuous coverage saves you money
• Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so repair costs are higher which will push premiums up. Although more recent vehicles have more advanced features included like a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control so those may give discounted rates.

Coverage for liability

Liability insurance will cover damage that occurs to other's property or people by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverage protection

Collision coverage will pay to fix 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 lower value vehicles. It's also possible to increase the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage.