Comparing auto insurance through online providers is easy, plus you might just save a little. The key is to get as many rate quotes as possible in order to accurately compare the lowest priced insurance.

Beginners to buying insurance may think finding cheap 2009 insurance is hard and time consuming. Getting better is surprisingly easy. Just take time to get quotes from different insurance companies. This can be done by getting a quick quote here.

Rates are determined by...

Auto insurance rates for a 2009 can fluctuate considerably based upon several criteria. Including but not limited to:

• Your driving record
• Credit rating impacts rates
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2009
• Claims drive up premiums
• Having current coverage saves
• Home ownership saves money

A final factor that can impact is the model year. Models that are new have a higher value in comparison to later models so repair costs are higher which may result in higher rates. On the flip side, more recent vehicles may have a trim level with safety features like all-wheel drive, a telematics system, and autonomous braking which may help offset higher rates.

Liability auto insurance - Liability insurance will cover damage or injury you incur to other people or property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage - This coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. 2009 collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper .

Comprehensive (Other than Collision) - Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. PIP is only offered in select states and may carry a deductible.