There are many options when insurance shopping for your vehicle. You can either buy through your neighborhood insurance agent or price shop online to check prices from companies. Finding cheaper auto insurance by quoting online is simple to do and there is a good chance you will probably save money.

Finding the best direct price on auto insurance can be a challenge if you have never used online rate quotes. But don't be discouraged because there is an easy way to compare rates. Cutting your is a fairly straight forward process. Drivers just need to take a couple of minutes comparing rates online with multiple companies. It is quite easy and can be accomplished by completing this short form.

Insurance rates on a 2009 will vary greatly subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Your accident history
• Home/auto policy bundles save money
• Pleasure use vs. commuting use
• Extra coverages like towing and rental
• No claims lowers premiums
• Having current coverage saves
• Whether you own your home

One last important factor which can affect the rate you pay on your is the year of manufacture. New vehicles have a higher actual cash value so the payout to repair will push premiums up. On the flip side, newer vehicles may have options like all-wheel drive, a rollover prevention system, and adaptive headlights so those may give discounted rates.

Liability coverages - 2009 liability coverage can cover damage that occurs to people or other property that is your fault. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase as much as you can afford.

Collision - This covers damage to your resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your 2009 can be pricey, so consider removing coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible to get cheaper .

Comprehensive coverages - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.