You have lots of choices when buying insurance for your vehicle. You can buy from your neighborhood insurance agent or go online to compare insurance costs of car insurance companies. Comparing auto insurance from online rate quotes can be fast and easy and at the same time you will probably save money.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies competing for your business. Finding lower doesn't have to be difficult. You just have to spend a little time comparing rates provided by online insurance companies. This can be done by getting a quick quote here.

Which factors influence car insurance premiums?

Insurance rates for a 2009 can be significantly different depending on several factors. Taken into consideration are:

• Higher performance 2009 vehicles cost more
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Special coverage such as replacement cost
• No claims lowers premiums
• No coverage lapses saves money
• Whether you rent or own your home

One last important factor that can impact the rate you pay on your is the year of manufacture. Models that are new have a higher value so the cost to replace them may end up costing you more. Conversely, newer models may have options such as adaptive cruise control, anti-lock brakes, and active head restraints that may help help offset higher rates.

Liability insurance - This coverage protects you from damages or injuries you inflict on other people or property. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision coverage - This coverage pays for damage to your caused by collision with an object or car. You first must pay a deductible 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. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive protection - Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection from other drivers when they do not carry enough liability coverage. Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense coverage - Med pay and PIP coverage pay for expenses for things like doctor visits, EMT expenses, and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is not available in all states and may carry a deductible.