You have many choices when buying insurance for your vehicle. You can either buy through a local agent or price shop online to compare rates from many different car insurance companies. Comparing car insurance through online rate quotes is simple to do, in addition you might just save a little.

Using the web to shop for car insurance direct can be complicated if you have never used quoting online. But don't let that discourage you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The recommended way to compare involves getting comparison quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine

Auto insurance rates for a 2009 can be significantly different subject to many criteria. A few of these criteria are:

• More performance equals higher cost
• How many accidents you have had
• Home and auto can earn discounts
• Use of your vehicle
• Young drivers cost more
• Whether you are married
• Optional coverages like vehicle replacement
• What you do for a living
• The level of coverage
• Owning a home can lower rates

A final factor that can impact is the model year. Used vehicles have a much lower replacement value in comparison to older models so repair costs tend to be lower which can decrease annual premiums. Conversely, more recent vehicles may have a trim level with safety features such as dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors that may help lower rates.

Auto liability - 2009 liability coverage will cover injuries or damage you cause to other people or property. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so consider buying as large an amount as possible.

Collision coverage - This coverage will pay to fix damage to your caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible 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 older. You can also bump up the deductible to bring the cost down.

Comprehensive auto coverage - Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by your comprehensive insurance. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay.