There are many options when trying to find low-cost insurance for your vehicle. You can either buy through an agent or shop online to check prices from insurance providers. Comparing car insurance by comparing rates online is easy and there is a good chance you can save money.

Beginners to shopping for insurance may think purchasing affordable 2009 insurance is going to be difficult. There are several ways of comparing rates from car insurance companies in your area. The simplest method to find competitive involves getting comparison quotes online. This can be accomplished by completing this short form.

Car insurance premiums paid to insure a 2009 can vary widely based upon several criteria. Some of these factors include:

• The performance level of your 2009
• Any accidents you may have
• Home and auto can earn discounts
• How you use your vehicle
• Extra coverages like towing and rental
• Your occupation
• The amount of protection requested
• Whether you own your home

An additional factor that can impact is the year of the vehicle. Used vehicles cost less than newer models so the costs to repair will push premiums down. But newer vehicles may have safety features including blind-spot warning system, a telematics system, forward-collision avoidance, and a rollover prevention system which can give discounted rates.

Auto liability insurance

Liability insurance can cover damage that occurs to a person or their property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so you should buy higher limits if possible.

Coverage for collisions

This coverage covers damage to your from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. It's also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the "other guys" either are underinsured or have no liability coverage at all. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage.