Shopping for auto insurance online saves time, is easy to do and there is a good chance you may find lower rates. The key to finding lower rates is getting as many rate quotes as possible so you can get every company's rates.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to quoting online. But don't let that discourage you because we're going to show you how. Getting lower is not rocket science. The only thing you need to do is invest a little time to compare quotes online from several insurance companies. This is very easy and can be done by completing this short form.

Insurance premiums for a 2009 can be significantly different and are calculated by many factors. Some of these factors include:

• Tickets increase premiums
• Better credit means lower rates
• Where you reside can make a big difference
• How many miles you drive
• Male rates may be higher
• Low deductibles cost more
• Safety rating of your 2009
• Whether or not you have claims
• Maintaining coverage lowers rates
• Whether you own your home

One important consideration that will help determine your rates is the age of the vehicle. New vehicles have a higher replacement value compared to older models so the costs to repair may end up costing you more. But newer vehicles have more advanced features including a telematics system, adaptive cruise control, and anti-lock brakes that may help give discounted rates.

Liability coverage

This can cover damage that occurs to other people or property by causing an accident. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so buy as large an amount as possible.

Coverage for collisions

Collision coverage covers damage to your caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company. 2009 collision insurance is rather expensive coverage, 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 coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance policy 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.