There are many options when comparing insurance rates on your vehicle. You can either buy through an agent or shop online to compare pricing from insurance providers. Comparing car insurance by comparing rates online is easy and there is a good chance you can save money.

Beginners to shopping for insurance may think purchasing cut-rate 2009 insurance is going to be difficult. There are several ways to get quotes from car insurance companies in your area. One of the best ways to find the lowest involves getting comparison quotes online. This can be accomplished by visiting this page.

Car insurance premiums for your 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 and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Used vehicles cost less than newer models so the payout to repair will push premiums down. But more recent vehicles may have safety features including forward-collision avoidance, adaptive cruise control, and active head restraints which can provide discounts that lower premiums.

Auto liability insurance - Liability insurance will cover damage that occurs to other's property or people. 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 you should buy higher limits if possible.

Collision coverages - This coverage will pay to fix damage to your resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance - Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. The coverages can be utilized in addition to your 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.