Finding cheaper car insurance by quoting online is easy and at the same time you might just save a little. The key is getting rates from all providers so you can compare the lowest prices.

Consumers who are new to the process of comparison shopping may think shopping for affordable 2009 insurance is hard. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The easiest way to find the lowest is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

What factors impact car insurance premiums?

Auto insurance rates paid to insure a 2009 can be significantly different based upon several criteria. Taken into consideration are:

• Your driving record
• Better credit means lower rates
• Male rates may be higher
• Higher deductibles save money
• Your vehicle's safety rating
• What you do for a living
• The level of coverage
• Whether you rent or own your home

A final factor which can affect is the model year. Models that are a few years old have a reduced actual cash value in comparison to older models so the costs to repair will push premiums down. Conversely, newer vehicles may have a trim level with safety features such as all-wheel drive, a rollover prevention system, and adaptive headlights that may help provide discounts that lower premiums.

Liability coverages - Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision - This covers damage to your from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverages - This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Coverage for medical payments - Coverage for medical payments and/or PIP provide coverage for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.