Finding cheaper auto insurance online is easy, in addition you can save money. The key is getting rates from all companies so you can compare the lowest priced insurance.

Consumers who are new to the process of comparing rates may think shopping for low-cost 2009 insurance is very challenging. Getting better is not rocket science. Just take time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished by visiting this page.

Criteria which help determine insurance rates

Car insurance premiums on a 2009 can be significantly different based upon several criteria. A few of these criteria are:

• Your driving record
• Better credit means lower rates
• Men typically pay more than women
• 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 repair costs are higher which may end up costing you more. But more recent vehicles may have safety features including adaptive headlights, sideview assist mirrors, automatic crash notification, and pedestrian detection that may help provide discounts that lower premiums.

Liability coverage - Liability insurance will cover injuries or damage you cause to people or other property that is your fault. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage - This will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your 2009 can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage - This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a 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 actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. 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 - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is only offered in select states but can be used in place of medical payments coverage.