There are many options when trying to insure your vehicle. You can get prices from a local agent or get quotes online to compare rates from insurance carriers. Finding cheaper auto insurance by getting online quotes saves time, is easy to do and there is a good chance you might just save a little.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to quoting online. But don't let that discourage you because comparing prices is actually very simple. Finding a lower price on 2009 insurance can be relatively painless. You just have to take a little time to get quotes online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

Auto insurance rates for a 2009 can be significantly different and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• How many accidents you have had
• Home/auto policy bundles save money
• Use of your vehicle
• Extra coverages like towing and rental
• Claims drive up premiums
• Maintaining coverage lowers rates
• Whether you own your home

A final factor which can affect is the model year. Newer models have a higher actual cash value in comparison to later models so the costs to repair may end up costing you more. But newer models may have a trim level with safety features including a telematics system, dual-stage airbags, a rollover prevention system, and a collision avoidance system that may help lower rates.

Liability

This protects you from damage that occurs to other people or property that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying as large an amount as possible.

Collision coverage

This pays for damage to your caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2009 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.