There are many options when shopping for car insurance for your vehicle. You can either buy through an agent or shop online to compare insurance costs of insurance carriers. Shopping for car insurance by getting online quotes is easy and there is a good chance you can save money.

Consumers not familiar with shopping for insurance may think finding cut-rate 2009 insurance is nearly impossible. There are several ways of comparing rates from different insurance companies. By far the easiest way to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Car insurance premiums for your 2009 can fluctuate considerably based upon several criteria. Some of these factors include:

• The performance level of your 2009
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks cost less than newer models so the payout to repair will push premiums down. Conversely, newer vehicles may have safety features such as adaptive headlights, blind-spot warning system, and a rollover prevention system which may help offset higher rates.

Liability

Liability insurance can cover damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision insurance

Collision coverage covers damage to your resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The most you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance program or if you do not have health coverage. PIP is not an option in every state and may carry a deductible.