Finding cheaper car insurance on the web is simple to do and at the same time you will probably save money. The critical component is to take the time to get as many rate quotes as possible in order to have the lowest priced insurance.

Finding the best direct price on car insurance is challenging if you have never used online quotes. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways of comparing rates from car insurance companies in your area. The best method to compare is to perform an online rate comparison. It is quite easy and can be accomplished by comparing rates here.

What influences your insurance rates?

Insurance rates for a 2009 can vary widely subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Credit rating
• Male rates may be higher
• Deductible amount directly impacts your rate
• Your vehicle's safety rating
• Your profession
• The amount of protection requested
• Whether you rent or own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a reduced actual cash value so repair costs tend to be lower which can decrease annual premiums. But newer vehicles may have options including dual-stage airbags, a telematics system, and pedestrian detection which can lower rates.

Liability car insurance - 2009 liability coverage can cover damages or injuries you inflict on other people or property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision coverage - This covers damage to your caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. 2009 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive car insurance - Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - This protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability 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.

Coverage for medical expenses - Coverage for medical payments and/or PIP reimburse you for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay.