Drivers have lots of options when buying insurance for your vehicle. You can buy direct from an insurance agent or get quotes online to compare pricing from insurance providers. Finding cheaper car insurance by comparing rates online saves time, is easy to do, plus you may find lower rates.

Finding the best direct price on car insurance can be difficult if you are a beginner to quoting online. Don't let that stop you because we're going to show you how. The are a couple different ways to compare rate quotes from local car insurance companies. The recommended way to find the lowest is to perform an online rate comparison. This can be done by visiting this page.

Premiums are calculated by these things

Insurance premiums for your 2009 can be significantly different and are calculated by many factors. Including but not limited to:

• High performance increases premiums
• How many accidents you have had
• Home/auto policy bundles save money
• Pleasure, commuting or business use can affect rates
• Add-on coverages such as rental reimbursement
• Your job
• Your coverage level
• Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a lower value compared to new models so the payout to repair may end up costing you less. On the flip side, new models have more advanced features like a backup camera, an advanced theft deterrent system, dual-stage airbags, and pedestrian detection that may help provide discounts that lower premiums.

Auto liability insurance - This provides protection from damage or injury you incur to other's property or people that is your fault. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as large an amount as possible.

Collision coverage - This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to get cheaper .

Comprehensive insurance - Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance kick in for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is not universally available but can be used in place of medical payments coverage.