You have many choices when trying to find low-cost insurance for your vehicle. You can either contact an insurance agent or price shop online to compare rates from many different auto insurance companies. Shopping for auto insurance through online rate quotes is simple to do, in addition you may find lower rates.

Comparing auto insurance rates direct online can be complicated if you have never used online quotes. But don't let that discourage you because we're going to show you how. Getting lower can be surprisingly simple. The only thing you need to do is invest a little time to compare quotes online with multiple companies. This is very easy and can be done by comparing rates here.

Criteria which help determine

Insurance premiums for a 2009 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Whether you insure your home with the same company
• Use of your vehicle
• Mature drivers pay less
• Whether you are married
• Optional coverages like vehicle replacement
• Whether or not you have claims
• No coverage lapses saves money
• Owning a home can lower rates

One important consideration that will help determine your rates is the age of the vehicle. Newer models have a higher replacement value compared to older models so the payout to repair can inflate annual premiums. Conversely, new models have more advanced features such as a backup camera, lane departure warning system, and traction control which can lower rates.

Auto liability

2009 liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy higher limits if possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2009 collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.