Comparing car insurance on the web can be fast and easy, plus you will probably save money. The most important part is to compare as many rate quotes as possible so you can get the cheapest rate quotes.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of car insurance companies competing for your business. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The recommended way to find competitive involves getting comparison quotes online. This can be done by completing this short form.

Rates are determined by...

Insurance rates for a 2009 will vary greatly depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Your credit history
  • Men typically pay more than women
  • Low deductibles cost more
  • Crash test rating for your 2009
  • Your profession
  • The amount of protection requested
  • Home ownership saves money

One last important factor that can impact the rate you pay on your is the year of manufacture. Used vehicles have a lower value so repair costs tend to be lower which may result in lower rates. But more recent vehicles may have options including tire pressure monitors, active head restraints, and pedestrian detection so those may give discounted rates.

Liability car insurance - This coverage will cover damage or injury you incur to other people or property. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision coverage - This coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You have to 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 vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive car insurance - Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.