Shopping for car insurance through online rate quotes can be fast and easy and there is a good chance you can save money. The most important part is to compare rates from as many companies as possible in order to accurately compare every possible rate.

If shopping for car insurance online is new to you, you can be overwhelmed by the hoards of online car insurance companies and websites offering insurance. There are several ways of comparing rates from different insurance companies. The best way to find the cheapest consists of shopping online. This can be accomplished by getting a quick quote here.

Car insurance premiums for your 2009 will vary greatly depending on several factors. Some of these factors include:

• A clean driving record keeps rates low
• Your credit history
• Where you reside can make a big difference
• High miles vs. low miles
• Male rates may be higher
• The deductible you choose
• Safety rating of your 2009
• Your occupation
• The level of coverage
• Whether you own your home

An additional factor that will help determine is the year of the vehicle. Older cars and trucks cost less than newer models so the payout to repair may result in lower rates. Conversely, newer vehicles may have safety features such as tire pressure monitors, autonomous braking, a collision avoidance system, and anti-lock brakes so those may help offset higher rates.

Auto liability

This coverage can cover damage that occurs to other's property or people by causing an accident. Liability insurance covers things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverage protection

Collision coverage covers damage to your resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses such as nursing services, prosthetic devices, and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Personal Injury Protection is not an option in every state and may carry a deductible.