There are many options when attempting to insure your vehicle. You can buy from a local agent or go online to check prices from insurance carriers. Buying auto insurance by getting online quotes can be fast and easy and there is a good chance you might just save a little.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of companies vying for your business. Getting cheaper insurance rates can be relatively painless. The only requirement is to invest a few minutes to get quotes provided by online insurance companies. This can be accomplished by completing this short form.

Auto insurance rates on a 2009 can be significantly different depending on several factors. Some of these factors include:

• Higher performance 2009 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• Claims drive up premiums
• Having continuous coverage saves you money
• Whether you own your home

A final factor that helps determine is the model year. New vehicles cost more in comparison to later models so the cost to replace them may end up costing you more. Although newer vehicles may have a trim level with safety features included like traction control, tire pressure monitors, a collision avoidance system, and a telematics system that may help give discounted rates.

Liability

This coverage can cover damage that occurs to people or other property in an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Auto collision coverage

Collision insurance covers damage to your resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage for your 2009 can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible in order to get cheaper .

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage.