Drivers have lots of options when buying insurance for your vehicle. You can get prices from an insurance agent or go online to compare pricing from insurance carriers. Buying car insurance by getting online quotes can be fast and easy, plus you may find lower rates.

If you're new to shopping for car insurance online, you may be overwhelmed by the hoards of companies selling insurance. The are a couple different ways to get quotes from car insurance companies in your area. The recommended way to find the lowest is to get quotes online. This can be done by visiting this page.

Rates are impacted by...

Insurance premiums on a 2009 can fluctuate considerably depending on several factors. Including but not limited to:

• Higher performance 2009 vehicles cost more
• Accidents raise premiums
• Multiple policies can save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new models so the cost to replace them may result in lower rates. But more recent vehicles have more advanced features including anti-lock brakes, adaptive headlights, and adaptive cruise control which may provide discounts that lower premiums.

Liability - This coverage will cover damage or injury you incur to people or other property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverage - Collision insurance will pay to fix damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies 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. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision - This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage.