Drivers have lots of options when buying insurance for your vehicle. You can buy direct from an insurance agent or price shop online to compare rates from multiple insurance companies. Buying auto insurance on the web is simple to do, plus you may find lower rates.

Shopping online for auto insurance can be difficult if you have never used online quoting. But don't be discouraged because we're going to show you how. Finding lower isn't really that difficult. You just have to spend a little time to compare quotes online with multiple companies. This can be accomplished by comparing rates here.

Rates are impacted by these things

Insurance premiums on a 2009 can fluctuate considerably subject to many criteria. Including but not limited to:

• More performance equals higher cost
• Accidents raise premiums
• Multiple policies can save money
• Pleasure use vs. commuting use
• Mature drivers pay less
• Whether you are married
• Add-on coverages such as rental reimbursement
• Whether or not you have claims
• No coverage lapses saves money
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the payout to repair may result in higher rates. Conversely, new models have more advanced features such as tire pressure monitors, active head restraints, and pedestrian detection which may lower rates.

Liability car insurance - 2009 liability coverage provides protection from damage or injury you incur to people or other property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. Collision coverage for your 2009 can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto insurance - This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The most your auto insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used in conjunction with a health insurance program or if you do not have health coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.