Finding cheaper car insurance by quoting online is simple to do and at the same time you can save money. The critical component is to compare rates from all providers in order to accurately compare the cheapest rate quotes.

Finding the best direct price on car insurance is challenging if you have never used online rate quotes. But relax because it's actually quite easy. There are several ways to get quotes from different insurance companies. The recommended way to find the cheapest is to perform an online rate comparison. It is quite easy and can be accomplished by getting a quick quote here.

What influences the rate you pay?

Car insurance premiums paid to insure a 2009 will vary greatly subject to many criteria. Taken into consideration are:

• Traffic citations increase rates
• Your credit history
• Men typically pay more than women
• The deductible you choose
• Your vehicle's safety rating
• Your occupation
• The level of coverage
• Whether you rent or own your home

An additional factor which can affect is the year of the vehicle. Models that are a few years old have a reduced actual cash value than newer models so the costs to repair can decrease annual premiums. Conversely, more recent vehicles may have safety features such as tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control so those may help offset higher rates.

Liability coverages - 2009 liability coverage will cover damages or injuries you inflict on a person or their property that is your fault. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. This coverage is usually fairly inexpensive so you should buy as much as you can afford.

Collision coverage - This will pay to fix damage to your from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverages - This covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - This provides protection from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical payments - Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Personal injury protection coverage is only offered in select states and may carry a deductible.