Comparing auto insurance by quoting online is easy, in addition you can save money. The key is to take the time to get rates from as many companies as possible so you can compare every possible rate.

Beginners to comparing rates may think purchasing cut-rate 2009 insurance is hard. Reducing your is a fairly straight forward process. All that's required is to spend a few minutes on the computer getting comparison quotes from different insurance companies. This can be done by visiting this page.

Criteria which help determine your insurance rates

Car insurance premiums for your 2009 can vary widely based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating
• Your location impacts rates
• High miles vs. low miles
• Your gender can raise or lower rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. A newer vehicle have a higher value than older models so repair costs are higher which can inflate annual premiums. Conversely, newer models may have safety features such as dual-stage airbags, sideview assist mirrors, and active head restraints which can provide discounts that lower premiums.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other's property or people. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy higher limits if possible.

Collision coverage protection

This coverage pays for damage to your resulting from colliding with another vehicle or an object, but not an animal. 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 bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they do not carry enough liability 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. So UM/UIM coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. PIP is not available in all states but can be used in place of medical payments coverage.