Drivers have lots of options when trying to insure your vehicle. You can buy from an agent or shop online to compare pricing from car insurance companies. Buying auto insurance from online rate quotes is easy, plus you can save money.

People who are new to buying insurance may think buying cut-rate 2009 insurance is more work than they want to put in. Finding a lower price on 2009 insurance doesn't have to be difficult. You just have to take a little time getting comparison quotes from different insurance companies. This can be accomplished by visiting this page.

Rates are impacted by...

Car insurance premiums for your 2009 will vary greatly based upon several criteria. Including but not limited to:

• The performance level of your 2009
• Your accident history
• Multiple policies can save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your claim history
• No coverage lapses saves money
• Home ownership saves money

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. Conversely, more recent vehicles may have safety features such as adaptive cruise control, a collision avoidance system, autonomous braking, and an advanced theft deterrent system so those may provide discounts that lower premiums.

Liability insurance

Liability insurance will cover damage or injury you incur to other's property or people in an accident. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they 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. So UM/UIM coverage is very important.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP is only offered in select states but can be used in place of medical payments coverage.