Buying car insurance from online rate quotes is easy and at the same time you can save money. The key is to compare rates from all providers so you can get all possible prices.

People who are new to comparison shopping may think buying affordable 2009 insurance is more work than they want to put in. There are several ways to compare quotes from local car insurance companies. The easiest way by far to find competitive is to get quotes online. It is quite easy and can be accomplished by completing this short form.

What factors impact the rate you pay?

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

• Your driving record
• Your credit history
• Your gender can raise or lower rates
• Low deductibles cost more
• Your vehicle's safety rating
• Your occupation
• Your coverage level
• Whether you rent or own your home

An additional factor that helps determine is the year of the vehicle. Older models have a reduced actual cash value than newer models so the costs to repair will push premiums down. On the flip side, newer models may have safety features like active head restraints, an advanced theft deterrent system, dual-stage airbags, and sideview assist mirrors so those may give discounted rates.

Liability insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. 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 protection

Collision insurance pays for damage to your from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. It's also possible to raise the deductible to get cheaper .

Comprehensive protection

This pays to fix your vehicle from 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 the vehicle's value is low consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses such as doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.