You have many choices when trying to find low-cost insurance for your vehicle. You can buy direct from an agent or shop online to compare insurance costs of lots of different providers. Comparing car insurance through online providers is easy, in addition you can save money.

Beginners to comparing rates may think finding affordable 2009 insurance is hard and time consuming. There are several ways of comparing rates from car insurance companies in your area. The simplest method to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Car insurance premiums paid to insure a 2009 can fluctuate considerably based upon several criteria. A few of these criteria are:

• The performance level of your 2009
• Accidents raise premiums
• Home and auto can earn discounts
• How you use your vehicle
• Your birth date
• Being married may save money
• Optional coverages like vehicle replacement
• Your occupation
• The amount of protection requested
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so the costs to repair will push premiums down. But newer vehicles may have safety features including tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control which may help offset higher rates.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to a person or their property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Coverage for collisions

This coverage covers damage to your from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be 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 may carry a deductible.