Comparing car insurance through online companies is easy and at the same time you can save money. The key is to compare rates from all companies in order to accurately compare the lowest priced insurance.

Beginners to comparison shopping may think buying low-cost 2009 insurance is difficult. There are several ways to get quotes from different insurance companies. The best method to find the cheapest involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

What factors impact the rate you pay?

Car insurance premiums on a 2009 will vary greatly based upon several criteria. Taken into consideration are:

• Your driving record
• 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 that can impact is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the cost to replace them will push premiums down. Conversely, more recent vehicles may have safety features such as tire pressure monitors, traction control, and adaptive cruise control so those may help offset higher rates.

Coverage for liability - Liability insurance will cover damages or injuries you inflict on people or other property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so you should buy as much as you can afford.

Collision coverage - This coverage will pay to fix damage to your resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder. Collision coverage for your 2009 can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, 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. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. PIP is only offered in select states and may carry a deductible.