You have many choices when buying insurance for your vehicle. You can get prices from your neighborhood insurance agent or price shop online to compare pricing from insurance providers. Finding cheaper car insurance by comparing rates online is simple to do, in addition you will probably save money.

Finding the best direct price on car insurance can be complicated if you have never used online quoting. But don't let that discourage you because there is an easy way to compare rates. To find the best car insurance prices, there are several ways to get quotes from different insurance companies. The recommended way to find the lowest is to perform an online rate comparison. This is very easy and can be done by visiting this page.

Criteria which help determine

Insurance rates for a 2009 can fluctuate considerably subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• Accidents raise premiums
• Home/auto policy bundles save money
• Use of your vehicle
• Optional coverages like vehicle replacement
• Your profession
• The level of coverage
• Owning a home can lower rates

One last important factor which can affect the rate you pay on your is the year of manufacture. Models that are a few years old have a much lower replacement value so repair costs tend to be lower which can decrease annual premiums. Conversely, more recent vehicles may have options such as a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection which may provide discounts that lower premiums.

Auto liability insurance - 2009 liability coverage will cover injuries or damage you cause to other people or property that is your fault. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so purchase as high a limit as you can afford.

Collision coverage - This will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage. 2009 collision insurance is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive insurance - Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.