Drivers have lots of options when trying to find low-cost insurance for your vehicle. You can buy from an agent or shop online to compare rates from car insurance companies. Buying car insurance from online rate quotes is easy, plus you can save money.

People who are new to buying insurance may think finding affordable 2009 insurance is more work than they want to put in. There are several ways to get quotes from different insurance companies. The simplest method to compare is to get quotes online. This can be done by comparing rates here.

Rates are impacted by...

Car insurance premiums paid to insure a 2009 can fluctuate considerably based upon several criteria. Including but not limited to:

• The performance level of your 2009
• Accidents raise premiums
• Multiple policies can save money
• How you use your vehicle
• Add-on coverages such as rental reimbursement
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor that helps determine is the year of the vehicle. Older models have a lower value than newer models so the costs to repair will push premiums down. Conversely, more recent vehicles may have safety features such as tire pressure monitors, anti-lock brakes, and forward-collision avoidance which may lower rates.

Liability insurance

Liability insurance will cover damage or injury you incur to a person or their property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive protection

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The most your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.