Buying auto insurance online is easy, in addition you can save money. The key is to compare rates from all companies so you can compare every possible rate.

People who are new to comparing rates may think buying low-cost 2009 insurance is very challenging. Reducing your is not rocket science. All that's required is to spend a few minutes on the computer getting comparison quotes from different insurance companies. This can be accomplished by visiting this page.

Criteria which help determine insurance rates

Car insurance premiums on a 2009 will vary greatly based upon several criteria. A few of these criteria are:

• Your driving record
• Your credit history
• Where you live
• The number of annual miles
• Men typically pay more than women
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your claim history
• Having current coverage saves
• Owning a home can lower rates

An additional factor that helps determine is the year of the vehicle. A newer vehicle cost more than older models so repair costs are higher which will push premiums up. On the flip side, more recent vehicles may have safety features like forward-collision avoidance, tire pressure monitors, and autonomous braking so those may provide discounts that lower premiums.

Liability coverage

Liability insurance will cover injuries or damage you cause to people or other property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2009 can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to get cheaper .

Comprehensive coverage

This coverage will pay to fix 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 maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists are uninsured or don't have enough coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, surgery, and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. PIP is only offered in select states but can be used in place of medical payments coverage.