You have many choices when buying insurance for your vehicle. You can buy from an insurance agent or go online to compare rates from companies. Buying auto insurance by quoting online can be fast and easy, in addition you may find lower rates.

If you're new to shopping for auto insurance online, you may be confused by the hoards of online companies selling insurance. Finding lower is a fairly straight forward process. You just have to spend a little time to compare quotes provided by online insurance companies. This can be accomplished by comparing rates here.

Criteria which help determine car insurance premiums

Insurance premiums 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
• Optional coverages like vehicle replacement
• Whether or not you have claims
• Having continuous coverage saves you money
• Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Newer models cost more compared to older models so the cost to replace them may end up costing you more. Although new models have more advanced features included like tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control that may help lower rates.

Liability coverages - This coverage provides protection from 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 buy as large an amount as possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage 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 lower value vehicles. You can also increase the deductible in order to get cheaper .

Comprehensive coverages - This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle's occupants from other motorists when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance pay for bills like ambulance fees, surgery, and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay.