Drivers have lots of options when buying insurance for your vehicle. You can buy from an insurance agent or get quotes online to check prices from lots of different providers. Shopping for car insurance through online providers saves time, is easy to do, plus you may find lower rates.

Comparing car insurance rates direct online can be difficult if you are a beginner to online quoting. But relax because we're going to show you how. The are a couple different ways to compare rate quotes from different insurance companies. The recommended way to find competitive consists of shopping online. This can be done by completing this short form.

Car insurance rates influenced by these things

Insurance premiums paid to insure a 2009 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Accidents raise premiums
• Whether you insure your home with the same company
• How you use your vehicle
• Mature drivers pay less
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your job
• The level of coverage
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new models so the costs to repair may end up costing you less. Conversely, new models have more advanced features such as active head restraints, an advanced theft deterrent system, and lane departure warning system which may give discounted rates.

Liability auto insurance - This provides protection from damage or injury you incur to a person or their property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as high a limit as you can afford.

Collision coverage - Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive (Other than Collision) - This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense insurance - Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage.