Comparing car insurance from online rate quotes is easy, in addition you might just save a little. The key is to get rates from all providers so you can get the cheapest rate quotes.

Beginners to comparing rates may think finding affordable 2009 insurance is more work than they want to put in. When shopping for car insurance there are multiple ways to compare rate quotes from different insurance companies. The recommended way to find competitive involves getting comparison quotes online. This is very easy and can be done by completing this short form.

Criteria which help determine car insurance premiums

Auto insurance rates paid to insure a 2009 can fluctuate considerably based upon several criteria. A few of these criteria are:

• Your driving record
• Credit rating impacts rates
• Male drivers pay higher rates
• Low deductibles cost more
• NTSB crash rating for your vehicle
• 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 the costs to repair will push premiums down. Conversely, new models may have a trim level with safety features such as adaptive cruise control, anti-lock brakes, and active head restraints which may give discounted rates.

Liability insurance - Liability insurance provides protection from injuries or damage you cause to a person or their property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible to bring the cost down.

Comprehensive protection - This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your comprehensive insurance. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical expense coverage - Medical payments and Personal Injury Protection insurance provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. PIP is not universally available but it provides additional coverages not offered by medical payments coverage.