You have lots of choices when comparing insurance rates on your vehicle. You can either contact an agent or get quotes online to check prices from companies. Buying auto insurance by quoting online saves time, is easy to do and at the same time you can save money.

Shopping online for auto insurance is challenging if you are a beginner to online quoting. Don't let that stop you because it's actually quite easy. Finding a better price on auto insurance is a fairly straight forward process. Consumers just need to spend a few minutes getting comparison quotes online from several insurance companies. This can be accomplished by completing this short form.

What factors determine ?

Car insurance premiums for your 2009 can fluctuate considerably and are calculated by many factors. Taken into consideration are:

• High performance increases premiums
• Accidents raise premiums
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Special coverage such as replacement cost
• Your claim history
• Having continuous coverage saves you money
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. New vehicles cost more than older models so the costs to repair may result in higher rates. Although newer models may have safety features included like blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection which may give discounted rates.

Liability coverages - This protects you from damages or injuries you inflict on other's property or people in an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverages - Collision insurance pays for damage to your resulting from colliding with an object or car. A deductible applies 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 older vehicles. It's also possible to raise the deductible in order to get cheaper .

Comprehensive coverages - Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Uninsured and underinsured coverage - This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments - Med pay and PIP coverage kick in for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage.