There are many options when shopping for car insurance for your vehicle. You can buy from a local agent or shop online to compare insurance costs of multiple companies. Finding cheaper auto insurance online is easy and there is a good chance you might just save a little.

Consumers who are new to the process of shopping for insurance may think purchasing low-cost 2009 insurance is very challenging. Lowering your is not rocket science. You just need to take a few minutes to get quotes from different insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Auto insurance rates on a 2009 can vary widely based upon several criteria. Some of these factors include:

• The performance level of your 2009
• Any accidents you may have
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Claims drive up premiums
• No coverage lapses saves money
• Whether you own your home

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so repair costs are higher which can inflate annual premiums. Conversely, more recent vehicles may have a trim level with safety features such as pedestrian detection, dual-stage airbags, and blind-spot warning system which can help offset higher rates.

Liability coverage

Liability insurance will cover damage that occurs to people or other property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision insurance

This will pay to fix damage to your resulting from a collision with another car or object. 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. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.