Shopping for auto insurance from online rate quotes is easy, in addition you can save money. The key is to get as many rate quotes as possible in order to accurately compare every possible rate.

Consumers not familiar with comparing rates may think finding cheap 2009 insurance is more work than they want to put in. Reducing your doesn't have to be difficult. All that's required is to spend a few minutes on the computer getting comparison quotes from different insurance companies. This is very easy and can be done by getting a quick quote here.

Criteria which help determine

Car insurance premiums for a 2009 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Where you reside can make a big difference
• How many miles you drive
• Men typically pay more than women
• The deductible you choose
• NTSB crash rating for your vehicle
• Your claim history
• No coverage lapses saves money
• Owning a home can lower rates

An additional factor that will help determine is the year of the vehicle. Models that are new have a higher replacement value than older models so repair costs are higher which may result in higher rates. Conversely, more recent vehicles may have safety features such as an advanced theft deterrent system, forward-collision avoidance, and a backup camera which may help offset higher rates.

Liability insurance

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage protection

Collision coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. 2009 collision insurance is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance covers 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 most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used to fill the gap from your health insurance program or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.