There are many options when buying insurance for your vehicle. You can buy direct from your neighborhood insurance agent or go online to check prices from companies. Finding cheaper auto insurance by quoting online can be fast and easy and there is a good chance you will probably save money.

If you are a novice to online auto insurance shopping, you can be overwhelmed by the hoards of auto insurance companies competing for your business. Finding lower is a fairly straight forward process. You just have to spend a little time comparing rates provided by online insurance companies. It is quite easy and can be accomplished by completing this short form.

Insurance rates for a 2009 can fluctuate considerably depending on several factors. Some of these factors include:

• Higher performance 2009 vehicles cost more
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• Extra coverages like towing and rental
• No claims lowers premiums
• No coverage lapses saves money
• 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 cost to replace them may result in higher rates. Conversely, new models may have options such as tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control which may give discounted rates.

Liability coverages - This coverage provides protection from damage that occurs to other people or property that is your fault. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision coverage - This pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then your collision coverage will kick in. 2009 collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to choose a higher deductible to bring the cost down.

Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are used to fill the gap from your health insurance program or if you do not have health coverage. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage.