You have many choices when insurance shopping for your vehicle. You can get prices from a local agent or go online to compare insurance costs of lots of different providers. Buying auto insurance through online providers can be fast and easy, in addition you might just save a little.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online companies vying for your business. Cutting your is surprisingly easy. Drivers just need to take a couple of minutes to get quotes provided by online insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2009 can be significantly different depending on several factors. A few of these criteria are:

• Higher performance 2009 vehicles cost more
• How many accidents you have had
• Multiple policies can save money
• How you use your vehicle
• Your birth date
• Being married may save money
• Optional coverages like vehicle replacement
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor that helps determine is the model year. Models that are new cost more in comparison to later models so the cost to replace them may end up costing you more. But newer vehicles may have a trim level with safety features including lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system that may help help offset higher rates.

Liability auto insurance - This coverage can cover injuries or damage you cause to a person or their property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying as large an amount as possible.

Collision - Collision insurance covers damage to your from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) - This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a auto insurance company will pay at claim time 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.

UM/UIM Coverage - This coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance - Coverage for medical payments and/or PIP pay for bills (i.e. ambulance fees, surgery, and doctor visits). They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is not an option in every state and may carry a deductible.