You have lots of choices when shopping for insurance coverage for your vehicle. You can buy from your neighborhood insurance agent or shop online to check prices from multiple companies. Shopping for auto insurance online is easy and at the same time you will probably save money.

Consumers not familiar with comparison shopping may think finding low-cost 2009 insurance is very challenging. Getting better is not rocket science. Just take time comparing rates from different insurance companies. This is very easy and can be done by completing this short form.

What factors impact ?

Insurance rates on a 2009 can fluctuate considerably based upon several criteria. Taken into consideration are:

• The performance level of your 2009
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure use vs. commuting use
• Special coverage such as replacement cost
• No claims lowers premiums
• Maintaining coverage lowers rates
• Whether you rent or own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so repair costs are higher which may result in higher rates. But newer vehicles may have options including adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection which may give discounted rates.

Liability coverage - Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Collision coverage - Collision coverage covers damage to your resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder. Collision coverage for your 2009 can be pricey, so consider dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage - This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are used in conjunction with a health insurance program 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.