Comparing car insurance by getting online quotes can be fast and easy and there is a good chance you may find lower rates. The most important part is to compare rates from all providers in order to accurately compare every possible rate.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of online companies selling insurance. The are a couple different ways to compare rate quotes from car insurance companies in your area. The best way to find the cheapest involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Insurance premiums paid to insure a 2009 will vary greatly depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Your credit history
• Your location impacts rates
• Annual mileage can affect rates
• Male drivers pay higher rates
• The deductible you choose
• Safety rating of your 2009
• Your job
• The amount of protection requested
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so the costs to repair may result in lower rates. But new models have more advanced features including blind-spot warning system, dual-stage airbags, and automatic crash notification so those may help offset higher rates.

Liability

This coverage provides protection from damage that occurs to a person or their property. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.