There are many options when buying insurance for your vehicle. You can get prices from your neighborhood insurance agent or go online to check prices from multiple companies. Shopping for auto insurance online can be fast and easy and there is a good chance you will probably save money.

If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of online auto insurance companies and websites competing for your business. Finding lower is not rocket science. You just have to spend a little time comparing rates provided by online insurance companies. This is very easy and can be done by completing this short form.

Insurance rates for your 2009 can fluctuate considerably depending on several factors. Some of these factors include:

• Higher performance 2009 vehicles cost more
• Accidents raise premiums
• Whether you insure your home with the same company
• Pleasure, commuting or business use can affect rates
• Extra coverages like towing and rental
• No claims lowers premiums
• Having current coverage saves
• Whether you own your home

One last important factor that will help determine the rate you pay on your is the year of manufacture. New vehicles have a higher replacement value so the cost to replace them may result in higher rates. On the flip side, newer models may have options like adaptive cruise control, blind-spot warning system, autonomous braking, and anti-lock brakes which may give discounted rates.

Liability coverage - This coverage protects you from damage that occurs to other's property or people by causing an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision coverage - Collision coverage pays for damage to your resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive coverage - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP - Med pay and PIP coverage pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage.