Finding cheaper auto insurance from online companies can be fast and easy, plus you might just save a little. The most important part is to take the time to get rates from as many companies as possible in order to accurately compare the cheapest rate quotes.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of online auto insurance companies and websites vying for your business. Finding lower is actually quite simple. You just have to spend a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by the following

Auto insurance rates for your 2009 can vary widely depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating
• Male rates may be higher
• The deductible you choose
• Crash test rating for your 2009
• Claims drive up premiums
• Maintaining coverage lowers rates
• Home ownership saves money

A final factor which can affect is the model year. Models that are new have a higher actual cash value in comparison to later models so the cost to replace them can inflate annual premiums. But newer vehicles may have a trim level with safety features including lane departure warning system, dual-stage airbags, and pedestrian detection which can help offset higher rates.

Liability coverage - This coverage can cover damage or injury you incur to other's property or people that is your fault. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision coverage - This covers damage to your resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible 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 older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage - Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP - Coverage for medical payments and/or PIP pay for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and may carry a deductible.