Comparing car insurance through online rate quotes saves time, is easy to do, plus you might just save a little. The key to finding lower rates is to take the time to get rates from all companies so you can get every possible rate.

Using the web to shop for car insurance direct can be difficult if you are a beginner to online quotes. But don't be discouraged because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The best way to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by the following

Auto insurance rates on a 2009 can vary widely and are calculated by many factors. Including but not limited to:

• Tickets increase premiums
• Credit rating
• Your location impacts rates
• The number of annual miles
• Male rates may be higher
• Low deductibles cost more
• Crash test rating for your 2009
• What you do for a living
• The level of coverage
• Home ownership saves money

A final factor that can impact is the model year. Used vehicles have a lower value in comparison to older models so the cost to replace them may end up costing you less. Conversely, newer vehicles may have a trim level with safety features such as tire pressure monitors, autonomous braking, a collision avoidance system, and anti-lock brakes which can give discounted rates.

Auto liability

This can cover damage or injury you incur to people or other property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying higher limits if possible.

Collision coverage protection

This coverage covers damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your 2009 can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.