Buying auto insurance by comparing rates online is easy, in addition you may find lower rates. The key is to compare rates from all companies so you can get every option.

People who are new to comparing rates may think buying low-cost 2009 insurance is going to be difficult. Finding a lower price on 2009 insurance can be quick and easy. You just have to take a little time to compare quotes from different insurance companies. This can be accomplished by completing this short form.

Criteria which help determine insurance rates

Insurance premiums on a 2009 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Where you live
• The number of annual miles
• Male rates may be higher
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Whether or not you have claims
• Maintaining coverage lowers rates
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older models so repair costs are higher which will push premiums up. But newer vehicles have more advanced features including dual-stage airbags, a rollover prevention system, and lane departure warning system so those may give discounted rates.

Auto liability insurance

Liability insurance can cover injuries or damage you cause to people or other property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so buy as much as you can afford.

Collision coverage

Collision insurance covers damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2009 can be pricey, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers 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 very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills like ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.