There are many options when insurance shopping for your vehicle. You can either contact your neighborhood insurance agent or price shop online to compare insurance costs of car insurance companies. Finding cheaper auto insurance from online rate quotes 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 quotes. But relax because there is an easy way to compare rates. Cutting your doesn't have to be difficult. Drivers just need to take a couple of minutes comparing rates online with multiple companies. It is quite easy and can be accomplished by getting a quick quote here.

Insurance rates paid to insure a 2009 can vary widely subject to many criteria. Some of these factors include:

• More performance equals higher cost
• Any accidents you may have
• Home/auto policy bundles save money
• How you use your vehicle
• 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. Models that are new have a higher actual cash value so the payout to repair can inflate annual premiums. On the flip side, more recent vehicles may have options like an advanced theft deterrent system, adaptive cruise control, active head restraints, and a telematics system which can help offset higher rates.

Liability insurance - 2009 liability coverage will cover damage that occurs to a person or their property that is your fault. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. This coverage is usually fairly inexpensive so purchase higher limits if possible.

Collision - This will pay to fix damage to your from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper .

Comprehensive protection - This covers 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 payout you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - Your UM/UIM coverage provides protection when other motorists are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Personal injury protection coverage is only offered in select states and may carry a deductible.