Finding cheaper auto insurance online saves time, is easy to do, in addition you can save money. The key to finding lower rates is getting as many rate quotes as possible so you can compare every possible rate.

Finding the best direct price on auto insurance can be complicated if you are a beginner to quoting online. But don't let that discourage you because it's actually quite easy. Reducing your is not rocket science. All that's required is to spend a few minutes on the computer getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine

Car insurance premiums for a 2009 can be significantly different and are calculated by many factors. A few of these criteria are:

• Tickets increase premiums
• Better credit means lower rates
• The size of your community
• How many miles you drive
• Male drivers pay higher rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your claim history
• Maintaining coverage lowers rates
• Owning a home can lower rates

An additional factor which can affect is the year of the vehicle. A newer vehicle have a higher actual cash value than older models so the costs to repair may end up costing you more. But new models may have safety features including forward-collision avoidance, tire pressure monitors, and autonomous braking that may help provide discounts that lower premiums.

Liability coverage

This provides protection from injuries or damage you cause to other people or property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so you should buy as large an amount as possible.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2009 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the "other guys" either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. PIP coverage is not universally available but can be used in place of medical payments coverage.