Comparing auto insurance through online providers can be fast and easy and there is a good chance you can save money. The most important part is getting as many rate quotes as possible in order to accurately compare the lowest priced insurance.

If you've never shopped for auto insurance online, you can be overwhelmed by the hoards of auto insurance companies offering insurance. Getting better is surprisingly easy. Just take time getting comparison quotes provided by online insurance companies. This can be done by getting a quick quote here.

Car insurance premiums for a 2009 can be significantly different depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Better credit means lower rates
• Your gender can raise or lower rates
• The deductible you choose
• Safety rating of your 2009
• Your claim history
• No coverage lapses saves money
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Models that are new have a higher value than older models so the cost to replace them may end up costing you more. Conversely, newer models may have safety features such as all-wheel drive, a telematics system, and autonomous braking that may help help offset higher rates.

Liability auto insurance - This coverage protects you from damage that occurs to other people or property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as large an amount as possible.

Collision coverage - This coverage pays for damage to your caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in. 2009 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The highest 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 dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense insurance - Med pay and PIP coverage pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and may carry a deductible.