There are many options when shopping for insurance coverage for your vehicle. You can buy direct from your neighborhood insurance agent or price shop online to compare rates from a lot of car insurance companies. Buying car insurance through online companies is simple to do and there is a good chance you will probably save money.

Shopping online for car insurance can be a challenge if you have never used online rate quotes. Don't let that stop you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The best method to compare is to get quotes online. This can be accomplished by comparing rates here.

Insurance rates for your 2009 will vary greatly subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Mature drivers pay less
• Whether you are married
• Extra coverages like towing and rental
• Your profession
• The amount of protection requested
• Whether you own your home

One last important factor that helps determine the rate you pay on your is the year of manufacture. Older models cost less so the payout to repair can decrease annual premiums. But new models may have options including tire pressure monitors, traction control, and adaptive cruise control so those may lower rates.

Coverage for liability - 2009 liability coverage provides protection from damage that occurs to other's property or people in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Insurance for medical payments - Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay.