Buying auto insurance through online rate quotes saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is to compare as many rate quotes as possible in order to accurately compare the cheapest rate quotes.

Shopping online for auto insurance can be a challenge if you are a beginner to online rate quotes. But don't let that discourage you because we're going to show you how. Finding lower can be surprisingly simple. You just have to spend a little time to compare quotes online from several insurance companies. This can be accomplished by getting a quick quote here.

Insurance premiums for a 2009 will vary greatly and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Your credit history
• Your gender can raise or lower rates
• The deductible you choose
• Safety rating of your 2009
• Whether or not you have claims
• Having current coverage saves
• Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. Models that are new cost more compared to older models so the costs to repair will push premiums up. On the flip side, newer models have more advanced features like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors so those may help offset higher rates.

Auto liability - This protects you from damage that occurs to other people or property in an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as much as you can afford.

Collision coverage - Collision insurance pays for damage to your caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company. 2009 collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper .

Comprehensive auto coverage - Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage - Med pay and PIP coverage kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. PIP coverage is not available in all states and may carry a deductible.