There are many options when trying to insure your vehicle. You can either buy through an insurance agent or get quotes online to compare rates from many different companies. Finding cheaper auto insurance from online companies saves time, is easy to do and there is a good chance you may find lower rates.

Finding the best direct price on auto insurance can be a challenge if you are a beginner to online quotes. Don't let that stop you because we're going to show you how. Finding a lower price on 2009 insurance is actually quite simple. You just have to take a little time to compare quotes online from several insurance companies. It is quite easy and can be accomplished by comparing rates here.

Insurance premiums for your 2009 can vary widely and are calculated by many factors. Some of these factors include:

• High performance increases premiums
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Whether or not you have claims
• No coverage lapses saves money
• Whether you own your home

One important consideration which can affect your rates is the age of the vehicle. Newer models have a higher actual cash value compared to older models so the costs to repair can inflate annual premiums. Conversely, newer vehicles have more advanced features such as lane departure warning system, dual-stage airbags, and sideview assist mirrors which can lower rates.

Liability coverage

This can cover damage that occurs to other's property or people that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy higher limits if possible.

Collision coverage

This covers damage to your resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if you do not have health coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.