Finding cheaper car insurance by quoting online can be fast and easy and at the same time you might just save a little. The most important part is to get rates from all companies so you can get all possible prices.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of companies vying for your business. When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The easiest way by far to find competitive is to perform an online rate comparison. It is quite easy and can be accomplished by completing this short form.

Which factors influence ?

Auto insurance rates on a 2009 can fluctuate considerably depending on several factors. Taken into consideration are:

• A clean driving record keeps rates low
• Credit rating impacts rates
• Male drivers pay higher rates
• Low deductibles cost more
• Your vehicle's safety rating
• What you do for a living
• The amount of protection requested
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the cost to replace them may result in lower rates. But new models may have a trim level with safety features including automatic crash notification, blind-spot warning system, and an advanced theft deterrent system which may give discounted rates.

Liability coverages

This coverage provides protection from damages or injuries you inflict on people or other property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as high a limit as you can afford.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. 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 vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses (i.e. 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. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.