Comparing car insurance through online providers is easy and there is a good chance you might just save a little. The key is to get rates from all providers so you can get every company's rates.

Beginners to shopping for insurance may think finding affordable 2009 insurance is hard and time consuming. When shopping for car insurance there are multiple ways to compare rate quotes 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.

Auto insurance rates paid to insure a 2009 can fluctuate considerably based upon several criteria. Some of these factors include:

• Your driving record
• Credit rating impacts rates
• Your location impacts rates
• Annual mileage can affect rates
• Male drivers pay higher rates
• Low deductibles cost more
• Safety rating of your 2009
• What you do for a living
• The amount of protection requested
• Whether you own your home

A final factor that can impact is the model year. Used vehicles cost less in comparison to older models so the costs to repair will push premiums down. But new models may have a trim level with safety features including tire pressure monitors, sideview assist mirrors, active head restraints, and adaptive cruise control which may give discounted rates.

Liability auto insurance

Liability insurance provides protection from damage that occurs to a person or their property. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the "other guys" either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.