There are many options when trying to insure your vehicle. You can buy from an insurance agent or go online to compare rates from insurance providers. Comparing car insurance by comparing rates online can be fast and easy and there is a good chance you may find lower rates.

If you've never shopped for car insurance online, you can be overwhelmed by the hoards of companies selling insurance. The are a couple different ways to compare rate quotes from local car insurance companies. The quickest method to compare involves getting comparison quotes online. This can be accomplished by comparing rates here.

Insurance premiums on a 2009 can be significantly different depending on several factors. Some of these factors include:

• Higher performance 2009 vehicles cost more
• How many accidents you have had
• Home and auto can earn discounts
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Your job
• Your coverage level
• Whether you own your home

One important consideration that can impact your rates is the age of the vehicle. Used vehicles cost less compared to new models so the cost to replace them may result in lower rates. On the flip side, new models have more advanced features like dual-stage airbags, a rollover prevention system, and lane departure warning system that may help lower rates.

Auto liability insurance

This coverage provides protection from damage that occurs to people or other property. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as large an amount as possible.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2009 can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper .

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.