Drivers have lots of options when insurance shopping for your vehicle. You can buy from a local agent or shop online to compare rates from companies. Finding cheaper car insurance by quoting online is easy, plus you might just save a little.

Consumers who are new to the process of buying insurance may think purchasing low-cost 2009 insurance is hard. When shopping for car insurance there are multiple ways to compare quotes from local car insurance companies. The easiest way to compare is to perform an online rate comparison. This can be done by comparing rates here.

Premiums are calculated by these factors

Auto insurance rates on a 2009 can vary widely based upon several criteria. Including but not limited to:

• The performance level of your 2009
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Add-on coverages such as rental reimbursement
• What you do for a living
• Your coverage level
• Home ownership saves money

A final factor which can affect is the model year. Models that are a few years old have a lower value in comparison to older models so the cost to replace them will push premiums down. On the flip side, newer models may have a trim level with safety features like all-wheel drive, a rollover prevention system, and adaptive headlights which can lower rates.

Liability coverages - Liability insurance protects you from damage or injury you incur to people or other property that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision - This pays for damage to your resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your 2009 can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper .

Comprehensive coverages - This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. Since a lot of drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments - Med pay and PIP coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP is not available in all states and gives slightly broader coverage than med pay.