Drivers have lots of options when shopping for insurance coverage for your vehicle. You can buy direct from an insurance agent or get quotes online to check prices from lots of different providers. Buying car insurance through online providers saves time, is easy to do, plus you may find lower rates.

Shopping online for car insurance can be difficult if you are a beginner to online quoting. But don't be discouraged because we're going to show you how. The are a couple different ways of comparing rates from car insurance companies in your area. The best method to find competitive is to get quotes online. This can be done by completing this short form.

Rates are impacted by the following

Insurance premiums on a 2009 can fluctuate considerably and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• Accidents raise premiums
• Multiple policies can save money
• Pleasure use vs. commuting use
• Your birth date
• Having a spouse can save money
• Add-on coverages such as rental reimbursement
• Your job
• The amount of protection requested
• Home ownership saves money

One important consideration that helps determine your rates is the age of the vehicle. Older models have a lower value compared to new models so the cost to replace them may end up costing you less. But newer vehicles have more advanced features including all-wheel drive, a telematics system, and autonomous braking which may give discounted rates.

Liability auto insurance - This can cover damage or injury you incur to people or other property in an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as high a limit as you can afford.

Collision coverage - Collision insurance covers damage to your resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Collision coverage for your 2009 can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance - Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are used in conjunction with a health insurance program or if there is no health insurance coverage. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.