You have many choices when trying to find low-cost insurance for your vehicle. You can either buy through an agent or price shop online to compare rates from a lot of auto insurance companies. Buying auto insurance through online companies is simple to do, in addition you can save money.

Shopping online for auto insurance can be complicated if you have never used online quotes. But don't let that discourage you because it's actually quite easy. Getting lower is not a difficult process. The only thing you need to do is invest a little time getting comparison quotes online with multiple companies. This can be accomplished by comparing rates here.

Criteria which help determine

Car insurance premiums for a 2009 can vary widely subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Any accidents you may have
• Multiple policies can save money
• Use of your vehicle
• Your birth date
• Whether you are married
• Optional coverages like vehicle replacement
• Your claim history
• Having continuous coverage saves you money
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. Newer models cost more than older models so the payout to repair can inflate annual premiums. Although newer vehicles may have safety features included like adaptive cruise control, autonomous braking, and lane departure warning system which can lower rates.

Coverage for liability

2009 liability coverage can cover injuries or damage you cause to other people or property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so you should buy higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2009 collision insurance is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible in order to get cheaper .

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.