You have many choices when finding cheaper insurance coverage on your vehicle. You can buy direct from an agent or go online to compare insurance costs of multiple companies. Comparing car insurance online can be fast and easy, in addition you can save money.

If you've never shopped for car insurance online, you may be confused by the hoards of online car insurance companies and websites offering insurance. There are several ways to get quotes and find the best price. The easiest way by far to find the cheapest involves getting comparison quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine your insurance rates

Car insurance premiums for your 2009 can vary widely depending on several factors. A few of these criteria are:

• Higher performance 2009 vehicles cost more
• Any accidents you may have
• Home and auto can earn discounts
• Pleasure, commuting or business use can affect rates
• Optional coverages like vehicle replacement
• Your occupation
• Insurance coverage level
• Owning a home can lower rates

An additional factor that can impact is the year of the vehicle. Used vehicles have a much lower replacement value than newer models so the payout to repair may result in lower rates. Although more recent vehicles may have safety features included like forward-collision avoidance, sideview assist mirrors, and all-wheel drive which can help offset higher rates.

Liability coverage

This coverage will cover injuries or damage you cause to other's property or people. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision protection

This coverage will pay to fix damage to your resulting from colliding with another vehicle or an object, but not an animal. 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 older vehicles. Drivers also have the option to raise the deductible in order to get cheaper .

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, surgery, and doctor visits. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and may carry a deductible.